Celia earns $$9,000$ a month. She pays $$3,000$ for entertainment, food, utilities, and transport and has retirement savings of $$500.$ Her mortgage payment is $$1,600,$ credit card payment is $$400,$ and auto loan payment is $$500.$ She pays $$900$ in taxes and her other expenses amount to $$800.$ She saves any remaining income.

What is the savings ratio?

a$.)16\mathrm{.}25\%$

b$.)6\mathrm{.}25\%$

c$.)12\%$

d$.)20\%$