Most experts suggest using roughly 15–20% of your gross income for savings, with 20% of take‑home pay being a popular benchmark in rules like the 50/30/20 budget. The exact percentage that works best depends on your income, cost of living, debt, and goals, but aiming in that 15–20% range (including retirement and emergency fund contributions) is a solid starting target that you can adjust up or down as your situation changes.