As the petitioner, you are required to file an I-864. You may declare your savings as a way to try to show sufficient income / assets. If you do not meet the financial requirements, then you need one joint sponsor who will be able to meet the requirements. Please note that you cannot have several joint sponsors to "add up" their incomes. You should consult with an immigration attorney to have the best chance of success.
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Yes. You take our income figure and subtract it from the income vis a vis household size as listed on the I-864. The ldiffernce you will get you remember. Now, your savings must be 5 times that number.
NYC EXPERIENCED IMMIGRATION ATTORNEYS
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The information contained in this answer is provided for informational purposes only, and should not be construed as legal advice on any subject matter.