What is the couple's calculated savings rate?

2020 Personal Financial Data for Married Couple, Zach and Carly
	Zach	Carly	Joint	Total
Annual Income (gross)	111,000	78,000
401(k) contribution (annual)	18,000	3900
401(k) maximum employer match ($1 per $1 employee contribution)	4%	5%
401(k) balance (including above contributions)	98,000	47,250
401(k) balance (beginning of year)	78,000	35,000
Monthly housing costs			2950
Other monthly debt payments	1350	950
Total monthly non-discretionary cash flows	3000	2200	2950	8150
Cash & cash equivalents	20000	12000
Total debt	55000	35000	200000	290000
Total assets	152000	94000	275000	521000
Note: Data items are from end of year, except where specified otherwise.