3.4%
2026 (thru Jun) (latest)
PERSONAL SAVING RATE
percent of disposable income · 1959–2026 · higher is better · FRED PSAVERT
10.3%
1959
15.1%
high · 2020
2.3%
low · 2005
−6.9 pts
since 1959
┊ dashed lines mark 1979 Oil shock & inflation peak · 1987 Black Monday crash · 1991 Gulf War recession · 2001 Dot-com bust & 9/11 · 2008 Global financial crisis · 2020 COVID-19 pandemic
Method & caveats. BEA personal saving as share of disposable personal income.
Sources
Every value on this page is read from the publisher below. Current and historical source documents:
- https://fred.stlouisfed.org/series/PSAVERT
- https://github.com/danielmiessler/substrate/tree/main/Data/US-Long-Run-Indicators
Data
| Year | Personal Saving Rate | Change |
|---|---|---|
| 2026 | 3.4% | −1.2 pts |
| 2025 | 4.6% | −0.8 pts |
| 2024 | 5.4% | −0.2 pts |
| 2023 | 5.6% | +2.3 pts |
| 2022 | 3.3% | −8.0 pts |
| 2021 | 11.3% | −3.8 pts |
| 2020 | 15.1% | +7.8 pts |
| 2019 | 7.3% | +0.9 pts |
| 2018 | 6.4% | +0.6 pts |
| 2017 | 5.8% | +0.4 pts |
| 2016 | 5.4% | −0.4 pts |
| 2015 | 5.8% | +0.3 pts |
| 2014 | 5.5% | +0.5 pts |
| 2013 | 5.0% | −2.9 pts |
| 2012 | 7.9% | +1.3 pts |
| 2011 | 6.6% | +0.7 pts |
| 2010 | 5.9% | +0.2 pts |
| 2009 | 5.7% | +1.6 pts |
| 2008 | 4.1% | +1.6 pts |
| 2007 | 2.5% | −0.3 pts |
| 2006 | 2.8% | +0.5 pts |
| 2005 | 2.3% | −2.4 pts |
| 2004 | 4.7% | −0.5 pts |
| 2003 | 5.2% | −0.4 pts |
| 2002 | 5.6% | +0.9 pts |
| 2001 | 4.7% | +0.4 pts |
| 2000 | 4.3% | −0.3 pts |
| 1999 | 4.6% | −1.9 pts |
| 1998 | 6.5% | +0.5 pts |
| 1997 | 6.0% | −0.3 pts |
| 1996 | 6.3% | −0.6 pts |
| 1995 | 6.9% | +0.1 pts |
| 1994 | 6.8% | −1.0 pts |
| 1993 | 7.8% | −1.6 pts |
| 1992 | 9.4% | +0.5 pts |
| 1991 | 8.9% | +0.5 pts |
| 1990 | 8.4% | +0.1 pts |
| 1989 | 8.3% | −0.1 pts |
| 1988 | 8.4% | +0.9 pts |
| 1987 | 7.5% | −1.3 pts |
| 1986 | 8.8% | −0.3 pts |
| 1985 | 9.1% | −2.1 pts |
| 1984 | 11.2% | +1.1 pts |
| 1983 | 10.1% | −1.9 pts |
| 1982 | 12.0% | +0.3 pts |
| 1981 | 11.7% | +0.6 pts |
| 1980 | 11.1% | +0.8 pts |
| 1979 | 10.3% | −0.4 pts |
| 1978 | 10.7% | +0.0 pts |
| 1977 | 10.7% | −0.9 pts |
| 1976 | 11.6% | −1.8 pts |
| 1975 | 13.4% | +0.1 pts |
| 1974 | 13.3% | −0.2 pts |
| 1973 | 13.5% | +1.2 pts |
| 1972 | 12.3% | −1.2 pts |
| 1971 | 13.5% | +0.7 pts |
| 1970 | 12.8% | +1.9 pts |
| 1969 | 10.9% | −0.4 pts |
| 1968 | 11.3% | −1.0 pts |
| 1967 | 12.3% | +1.1 pts |
| 1966 | 11.2% | −0.2 pts |
| 1965 | 11.4% | −0.2 pts |
| 1964 | 11.6% | +0.9 pts |
| 1963 | 10.7% | −0.5 pts |
| 1962 | 11.2% | −0.1 pts |
| 1961 | 11.3% | +1.2 pts |
| 1960 | 10.1% | −0.2 pts |
| 1959 | 10.3% | — |
Also in Money & Debt