I have been trying to figure out the best way to calculate my savings rate. So far I have the following included in my list - 401k, 401k company match, HSA, mortgage principal (exclude interest and escrow), annual company stock award, money put into investment account. I did not include IRA and consumer debt repayment because they do not apply to me. I did not include money that I set aside for annual bills, auto maintenance and home maintenance.
How do you calculate yours? Is there another thread or blog entry somewhere on this topic that I have missed?