How to best calculate Personal Savings Rate?

[xixtrays]

Do you count pre-tax savings (401k, HSA, etc)?  Do you count principal paid on a mortgage?  Do you count employer matches and pension contributions?

Thanks for reading.

[matchewed]

https://forum.mrmoneymustache.com/ask-a-mustachian/probably-answered-already-but-i-can%27t-find-it-calculating-your-savings-rate/

https://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/how-do-you-calculate-your-savings-rate/

www.mrmoneymustache.com/forum/ask-a-mustachian/calculating-savings-rate/