These metrics use real account activity over the trailing 12 months, not a budgeted surplus.
Savings Rate
net deposits into cash/savings and investment accounts ÷ annual income × 100
Net deposits equal deposits minus withdrawals. Only accounts with flow tracking and appropriate asset classes contribute. Entering income without recording account flows is not enough.
Total Savings Rate
(net deposits + reduction in liability balances) ÷ annual income × 100
Paying down debt builds wealth, so a decline in liability balances is added. If total debt grew instead, the negative paydown lowers the rate.
Investment Rate
net deposits into Investments-class accounts ÷ annual income × 100
This excludes ordinary cash and savings. It shows how much annual income was directed specifically into investments.
Improve accuracy
Record deposits and withdrawals on investment and savings products, keep recurring income current, and maintain liability history. Transfers between your own tracked accounts need careful treatment so the same movement does not look like new saving twice.