What percentage of your take home do you save (excluding pension)

[JMAngel1]

Just that really
Think I need a kick up the bum!

I put about 40% of my take home in various pockets.

About 75%

That's for both me and DP though - fully shared finances, I couldn't tell you individual figures.

None of it as my entire salary is eaten up by bills

Rise in mortgage rates and food prices has just about broken me

Unfortunately only about 10-15% at the moment, but it’s better than nothing.

0% for me too. Also don't have a pension. Just about getting by.

I'd say just over half, about 55%. That includes pension though

Well, technically, 100% of my salary.
But that's because we live off DHs, and mine is about getting out of the house, and accruing a pension rather than "needing" the income.
I earn peanuts!

Surely it depends on your circumstances? Someone who's mortgage, childcare, food, bills etc take all their income won't be able to save anything, but other people who are mortgage and child free will be able to save a lot more.

Do a budget, see how much you have left, decide how much you want to save and how much you will allow yourself to spend and put the money you want to save in a savings account and don't touch it.

The financial flow chart will help you work through all this.

https://ukpersonal.finance/flowchart/

Depends on your living costs! For us it is now about 25% - but only because we have no mortgage finally and because we have imminent university costs. All the rest goes on day to day living costs.

Absolutely nothing. Childcare bills and mortgage, and everything else - nightmare. Hoping once kids are older we can rectify things a bit.

I put a third into savings, but only short term savings, eg for car repairs, holidays, annual insurance etc. So they get dipped into fairly regularly.

Absolutely not one penny. We live virtually hand to mouth. I try never to get in debt of any kind as that fucks it all up.

Children are teenagers and I save 20%, not including pensions. When they were pre school age the nursery bill put us into debt.

Zero. Been overspending somewhat so on a tighter budget now to pay that off.

2.5% in a good month

Between 5 and 10 % depending on the month. It feels very low compared to some!

About 40% 10 months a year. Not December or January though.

10% plus pension. 40%?!! What are you all eating?!

Depends what you mean by 'savings'.

Untouched, v long term savings - for a bigger house or to pay a huge chunk off mortgage in many years time - about 10%.

An additional circa 30% goes in savings pots - but these are short term savings, spreading the cost of holidays, travel, Xmas, birthdays etc.

0% at the moment. We’re spending every penny trying to get the new house decorated and fixed up

None. We don't have any savings

Some posters are saving so much! What are you saving for??

I save probably about 5-10% per month, maximum. In the past it was more but that was I was saving for something specific e.g. house move or maternity leave.

30% without any effort

45% with some effort

We're saving mostly for early retirement but will likely take a chunk out of our savings at some point for a new house.