What's a good income-to-expenses ratio?

Income-to-Expense Ratio What is a good income-to-expenses ratio? This should be at least: 15% Income / 85% Expenses This way, for every $10,000 you make, you'll have an extra $1,500 of money that can either be saved or to be used at your discretion. You'll be able to do more recreational activities like going out to the movies or taking vacations. A higher expense ratio makes it much harder to save money, and your spending habits should be modified.