Zum Hauptinhalt springen
The mandate
StrategyMandate, goals, FIRE and cooling-off.
Discipline
BehaviorPlan fidelity, cost of intervening and cohort.
Insights97 fixed checks, daily briefing, AI chat.
Understanding
AnalysisLook-through, portfolio, net worth and tax.
Exploration
MarketsMacro picture, earnings and watchlist.
ResearchScreener, ETF tools and deep analysis.
View DemoPricing
Pricing
BlogBrowse and filter all articles.CalculatorsTax and savings plan calculators.KnowledgeTaxes, ETFs, dividends, clearly explained.GlossaryFinancial terms from A to Z.Tax CalendarDeadlines and dates for investors.HelpAnswers to common questions.
FAQ
About InvestboardTeam, mission and values.
SecurityData protection and infrastructure.
ContactWrite to us. We respond quickly.
DEEN
Sign InBeginCreate account
Knowledge
ArticlesGlossaryTax calendarMethodology

Investments carry risk. Past performance is not a reliable indicator of future results. Investboard does not provide investment advice within the meaning of § 1 Abs. 1a KWG.

Investboard

Behavioral Wealth Management.

Start freeView Demo

Product

  • Strategy
  • Analysis
  • Behavior
  • Insights
  • Markets
  • Research

Resources

  • Calculators
  • Knowledge
  • Glossary
  • Tax Calendar
  • Help

Company

  • About Investboard
  • Security
  • Pricing
  • Contact

Product

  • Strategy
  • Analysis
  • Behavior
  • Insights
  • Markets
  • Research

Resources

  • Calculators
  • Knowledge
  • Glossary
  • Tax Calendar
  • Help

Company

  • About Investboard
  • Security
  • Pricing
  • Contact
  • Strategy
  • Analysis
  • Behavior
  • Insights
  • Markets
  • Research
  • Calculators
  • Knowledge
  • Glossary
  • Tax Calendar
  • Help
  • About Investboard
  • Security
  • Pricing
  • Contact
GDPR data protection
Encrypted in transit
EU hosting

Investboard is not a financial advisor and does not provide investment advice. All information is for informational purposes only and does not constitute a recommendation to buy or sell financial instruments. Past performance is not a reliable indicator of future results. Please consult a qualified financial advisor for individual investment decisions.

© 2026 Investboard GmbH. All rights reserved.

Imprint·Privacy Policy·Terms of Service·Cookie Policy
DE|EN
  1. Knowledge
  2. ›Glossary
  3. ›Savings Rate

Strategy

Savings Rate

The savings rate is the share of disposable income that is saved or invested, on average around 10-15% in Germany.

The savings rate measures how much of disposable income is set aside or invested rather than spent. It can be viewed for a single household or for the economy as a whole.

In Germany it averages around 10-15%. The figure varies with income, life stage and spending habits, and on its own says nothing about whether the money saved is also invested for a return.

For building wealth, the savings rate is one of the most important levers: the higher the share consistently saved, the more capital is generally available for reserves and long-term investments. What counts is less any single month than steadiness over time.

Related terms

Emergency Fund

Read next

The terms in practice.

Optimising your savings rate: the road to financial independence

Why every percentage point counts

From knowledge to clarity

See taxes, dividends and allocation for your whole portfolio in one place.

Get started freeView demo