How does the savings rate work?

Your savings rate is the percentage of your gross income going toward wealth building. It includes 401k contributions, ESPP, IRA, and any transfers to savings or investment accounts detected from your bank. To get an accurate rate, go to Savings → Add Entry → pick your contribution type (401k, ESPP, etc.) and set the percentage and frequency. The app calculates the rest. If you have transfers that aren't really your savings (like a partner's money passing through your account), you can exclude them.