Find out if you're building wealth — or just surviving
Most people assume they're on track. They're not. PathVerdict benchmarks your income, spending, and savings against real household survey data — and delivers a verdict in under 30 seconds across 11 countries and 50 cities.
- →Your savings rate, benchmarked against people earning like you
- →See exactly where you fall: Critical, Falling Behind, Under-Saving, On Track, or Ahead
- →No spreadsheets. No guesswork. One clear financial position.
Benchmarks from official household expenditure and savings surveys
+ CSO · Stats NZCoverage varies by country and income band.
Updated April 2026 · Based on public household expenditure data
How we calculate →Popular checks
Tap a scenario to see the verdict.
How it works
Enter your numbers
Income, rent, and monthly expenses. Optional: your age and whether you invest.
We calculate your savings rate
We compare what you keep against income-adjusted benchmarks from real household expenditure data.
Get a clear financial verdict
See your savings rate, your expected rate, the gap, and exactly where you stand.
The five financial positions
Spending exceeds income. Structural deficit.
Savings well below benchmark for your income.
Below benchmark but covering expenses.
Saving at or near expected for your income.
Saving meaningfully above benchmark.
Browse by city
Pre-set for local rent and income levels.
Built on official data
Every benchmark comes from national household expenditure surveys — not estimates, not crowdsourcing. Each expected savings rate is derived from real income-quintile data for that country.
See methodology →From the blog
All articles →What's a Good Savings Rate? The Real Numbers by Income
Most benchmarks are averages. Here's what people at your income level actually save — and what the data from household expenditure surveys says you should aim for.
Am I Saving Enough? How to Actually Tell
Most people don't know if they're saving enough. Not because they're not paying attention, but because there's no clear reference point. Here's how to find out.
Still not sure where you stand?
30 seconds. No email. No login.