Saving rate
The share of net income actually set aside, expressed as a percentage. Formula: (monthly savings ÷ net income) × 100. The Belgian average hovers around 13-15 % according to the National Bank; a healthy rate toward financial independence typically sits between 20 and 30 %.
Why It Matters
The number-one KPI of personal financial health. More meaningful than a balance, more universal than an absolute amount saved. Ankora tracks it continuously and alerts you when you drift off target.
Concrete Example
Net income 2 800 €, automated monthly savings 420 € → saving rate = 15 %. Target: 20 % = 560 €/month.