After reading MMM's post on the Shockingly Simple Math, I calculated our savings. Eventually, it got to 50% and then 61%.

I did the above by taking the amount I save pre-tax and adding it "savings" when I calculate the percentage I save.

Then, I realized some folks are including their mortgage.

If I include the mortgage, I am "saving" over 100%. This is because I am adding in the amount we save pre-tax.

Is there a way to correct for this? If so, what is it?

There's a really cool calculator or Networthify but it doesn't seem to recognize that I could be saving more than my take home pay since I count pre-tax savings as part of my overall savings rate.

I'd really like to get a real percentage so I can verify number of years to retirement.

Hope this question makes sense!