I do not, either as income or as savings. I ignore investment returns/losses completely. I look at my paycheck and all my investment contributions from that paycheck (I don't count money that goes into my bank savings account which, while technically savings, is usually for intermediate-term expenses or purchases). Then I compute two numbers. One is (Total Investment Contributions/Gross Income) and the other is (Total Investment Contributions/Income net of income+payroll tax). Those are both a little squishy because some of my investing is done on a pre-tax, tax-deferred basis; but they give me a feel for how I'm doing overall and how I'm doing once the government gets done with me.Ydobon wrote:Quick straw poll - do people include savings interest/P2P interest/dividend income/bank account bonuses/cashback in their 'income' calculation when calculating savings rate for the month?
Actually, I only compute those numbers annually. My income is fairly steady (salaryman) so I just track/set incremental goals in dollars. The savings rates are interesting, but in the end it's dollars into the financial asset pile that drive my readiness.