The mirror image of your savings rate: whatever isn't saved is, by definition, spent, so Expense Ratio and Savings Rate add up to roughly 100%. Useful when you know your total spending directly (from a budget or bank statement) rather than backing into it from what's left over.

🇵🇹 INE's Inquérito às Despesas das Famílias (household budget survey) publishes exactly this kind of ratio, broken down by expense category and income bracket, roughly every five years — a useful benchmark to compare your own number against, though the most recent edition may be a few years old by the time you check it.