{"id":212,"date":"2022-03-04T23:33:00","date_gmt":"2022-03-04T23:33:00","guid":{"rendered":"http:\/\/spruce-dev.chemistry.digital\/?p=212"},"modified":"2025-03-29T03:42:25","modified_gmt":"2025-03-29T03:42:25","slug":"how-much-should-i-save-each-month","status":"publish","type":"post","link":"https:\/\/www.sprucemoney.com\/resource-center\/savings\/how-much-should-i-save-each-month\/","title":{"rendered":"How much should I save each month?"},"content":{"rendered":"\n<p>So, you\u2019ve decided it\u2019s time to start saving money&#8230; Congrats! That\u2019s a great step towards better financial habits. But if you\u2019re not sure how to answer, \u201cHow much should I save each month?\u201d\u2014 don\u2019t worry, we\u2019ve got you covered. Using a few key guidelines, we\u2019ll walk you through how to arrive at your specific savings goal.<\/p>\n\n\n<div class=\"wp-block-image is-style-default\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"160\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2022\/06\/determining-how-much-to-save-each-month.jpg\" alt=\"woman figuring out how much to save each month\" class=\"wp-image-963\"\/><\/figure>\n<\/div>\n\n\n<p>Determining how much to save is not a one-size-fits-all task; it involves weighing your specific needs, desires, and income stream. It\u2019s important you don\u2019t spend all your monthly income at once \u2014 or on one thing. How much you should save will depend on what you\u2019re looking to save your money for or buy, and your current financial situation.<\/p>\n\n\n\n<p>Whether you are putting away money into a savings account to save for a big purchase, life event, or protecting yourself for a rainy day or emergency, it\u2019s critical to earmark a portion of your income each month for the future. But how much to save depends on a variety of factors, which we\u2019ll explore below.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-percentage-of-income-should-i-save\">What percentage of income should I save?<\/h2>\n\n\n\n<p>A common rule of thumb when determining how much to save in a month is to start with a budget breakout built around your necessities, discretionary expenses, and savings. Here\u2019s what we mean by those categories:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Necessities<\/strong> includes monthly expenses related to food and shelter, such as rent, a mortgage, groceries, and utility bills.<\/li>\n\n\n\n<li><strong>Discretionary expenses<\/strong> include entertainment and shopping expenses, such as special dinners out or going to a concert.<\/li>\n\n\n\n<li><strong>Savings<\/strong> includes money you\u2019ve carved out for future expenses. There are a range of categories this may cover \u2014 starting with a safety net for an unexpected expense emergencies (more on this later) \u2014 but may also include money for life\u2019s big milestones and wish list items.<\/li>\n<\/ul>\n\n\n\n<p>Then based on your needs, you apply a percentage to each category. Here are three options:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50\/30\/20 rule<\/strong> \u2013 This puts half your income towards necessities, the next 30% toward discretionary purchases, and 20% towards savings.<\/li>\n\n\n\n<li><strong>70\/20\/10 rule<\/strong> \u2013 This ratio may be more within reach if you don\u2019t have a lot of flexibility with your essentials.<\/li>\n\n\n\n<li><strong>80\/20 rule<\/strong> \u2013 This simplified approach puts most of your income toward both necessary and discretionary expenses and 20% toward savings and debt reduction.<\/li>\n<\/ul>\n\n\n\n<p>So, what percentage of income should you save? The best percentage is one you can stick with, allowing you to consistently make progress toward your financial goal.<\/p>\n\n\n\n<p><strong>Need help building your savings? <\/strong>With Spruce mobile banking, you can choose to tuck money away automatically for the goals you choose. Find out how <a href=\"https:\/\/www.sprucemoney.com\/saving-goals\/\">Spruce\u2019s savings goal feature<\/a> makes it easy save to step by step.<\/p>\n\n\n\n<div class=\"wp-block-create-block-hrb-article-cta\" class=\"wp-block-create-block-hrb-article-cta\" style=\"background-color:#005D1F\"><div class=\"hrb-article-cta--image\" style=\"background-image:url(&quot;https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2024\/06\/spruce-susan-resized.png&quot;);background-size:contain;background-position:center;background-repeat:no-repeat\"><\/div><div class=\"hrb-article-cta--copy standard\"><h3 class=\"main-heading\">Try the mobile banking app with personalized budgeting tools. Check out Spruce today.<\/h3><div class=\"quick-links-list\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/account.sprucemoney.com\/signup\/\">Get started<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p class=\"is-style-diy-tiny-text\">Spruce fintech platform is built by H&amp;R Block, which is not a bank. Bank products by Pathward\u00ae, N.A., Member FDIC.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-should-you-save-a-month\">How much should you save a month?<\/h2>\n\n\n\n<p>Determining how much you should save a month is an exercise you can complete by plugging in your own income and expenses. To see what that looks like with the 70\/20\/10 rule, let\u2019s take an annual income of $36,000 (take-home), which is $3,000 monthly.<\/p>\n\n\n\n<p>So, on a monthly income of $3,000: &nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>70% or $2,100 should go toward necessities<\/li>\n\n\n\n<li>20% or $600 should go toward discretionary spending<\/li>\n\n\n\n<li>10% or $300 should go toward savings<\/li>\n<\/ul>\n\n\n\n<p>To break this down even further and answer the question, \u201cHow much should I save each paycheck?\u201d you\u2019d have one more step that will be based on how often you\u2019re paid.<\/p>\n\n\n\n<p>If you\u2019re paid twice per month, you\u2019d need to then divide the calculations above by two to determine how much to save each paycheck. For this example, you\u2019d save $150 each month. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-should-i-save-for-an-emergency-fund\">How much should I save for an emergency fund?<\/h2>\n\n\n\n<p>As mentioned above, if you don\u2019t have a safety net for emergencies, it should be one of your top priorities when determining how much of your income you should save.&nbsp;<\/p>\n\n\n\n<p>Having emergency savings as a safety net can cover expenses in the event of a loss of a job, medical bills due to a sudden illness or accident, or funds to cover major expenses that arrive unexpectedly, such as a new roof or fixing a broken appliance in your home.<\/p>\n\n\n\n<p>If you\u2019re wondering \u201c<a href=\"https:\/\/www.sprucemoney.com\/resource-center\/savings\/emergency-fund\/\">How much should I save for an emergency fund<\/a>,\u201d it\u2019s a good idea to start with three months\u2019 worth of expenses.<\/p>\n\n\n\n<p>So, for the $35,000 annual income and 70\/20\/10 example above, you budgeted $2,100 monthly toward necessities. To cover three months of expenses, you\u2019d need to save $6,300 for your emergency fund.<\/p>\n\n\n\n<p>This may sound like a lot, but you don\u2019t have to come up with this money all at once. You can put money away little by little. Review these <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/savings\/money-saving-tips\/\">saving tips<\/a> to help get you on your way, and find out how <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/savings\/money-saving-apps\/\">money saving apps<\/a> may help. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-of-your-income-should-you-save-when-you-have-multiple-goals\">How much of your income should you save when you have multiple goals?<\/h2>\n\n\n\n<p>If you\u2019re saving for more than one goal, you\u2019ll want to split your savings percentage between each goal. It makes sense that you\u2019d want to carve out a larger percentage for more important goals to help you reach them faster. Additionally, you may want to focus on fewer goals, so your savings are not too spread out.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Saving up vs. using credit: How Spruce can help<\/h2>\n\n\n\n<p>While credit cards may help you get these purchases faster, saving up and using cash instead can be a big step toward better money habits.<\/p>\n\n\n\n<p>Tools such as Spruce\u2019s savings goal can help you along the way. What\u2019s more, Spruce has other features such as overdraft protection<sup><button data-disclaimer-trigger=\"6\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>6<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup> and the <a href=\"https:\/\/www.sprucemoney.com\/budget-tracker-tool\/\">Watchlist budget tracker<\/a> that can help put you on the path to getting better with money day by day.<\/p>\n\n\n\n<p>Find out more about all the <a href=\"https:\/\/www.sprucemoney.com\/features\/\">features Spruce<\/a> has to offer.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/account.sprucemoney.com\/signup\/\"><strong>Get started with Spruce!<\/strong>&nbsp;<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em>This information provided for general educational purposes only. It is not intended as specific financial planning advice as everyone\u2019s financial situation is different.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>So, you\u2019ve decided it\u2019s time to start saving money&#8230; Congrats! That\u2019s a great step towards better financial habits. But if\u2026<\/p>\n","protected":false},"author":1,"featured_media":247,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-212","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings"],"acf":[],"yoast_head":"<title>How Much Should I Save Each Month? | Spruce<\/title>\n<meta name=\"description\" content=\"\u201cHow much should I save each month?\u201d is a common question when managing personal finances. 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