Yes—by default, Worthic includes retirement contributions in your savings rate.
It can include both:
- Employee retirement contributions captured from your payslip
- Company or employer contributions extracted from a payslip, entered manually in the transaction details, or calculated using an automatic company-contribution rule
When “Include retirement contributions” is enabled, Worthic treats these amounts as additional saving and adds them to the income base:
(Cash income − cash expenses + retirement contributions) ÷ (Cash income + retirement contributions)
For example, with income of 8,000, expenses of 6,000 and total retirement contributions of 2,000, the savings rate is 40%. Excluding retirement contributions, it is 25%.
This setting is enabled by default. You can change it using the “Include retirement contributions” checkbox in the Savings rate area. Worthic saves the preference for the workspace and applies it to the current rate, history, reports and AI answers.
Only contributions associated with included salary transactions in the relevant reporting period and scope are counted. Worthic converts them to the reporting currency and avoids counting a salary transaction twice. Taxes, other deductions and pension-loan repayments are not treated as retirement savings.