This dataset provides values for PERSONAL SAVINGS reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Graph and download economic data for Personal Saving Rate (PSAVERT) from Jan 1959 to Aug 2025 about savings, personal, rate, and USA.

In June 2025, the personal savings rate in the United States amounted to 4.5 percent. That was a slightly lower figure than a year earlier. The personal savings rate is calculated as the ratio of personal savings to disposable personal income. Within the topic of personal savings in the U.S., there are different goals and reasons for saving. What are personal savings? Saving refers to strategies of accumulating capital for future use by either not spending a part of one’s income or cutting down on certain costs. Saved money may be preserved as cash, put on a deposit account, or invested in various financial instruments. Investing usually incorporates some level of risk which means that part of the invested money can be gone. An example of a relatively safe investment would be saving bonds, such as the debt securities issued by the U.S. Department of the Treasury. Saving trends in the U.S. and abroad Looking at the personal saving rate in the United States throughout the past decades, it can be observed that savings had been decreasing until the mid-2000s, and they increased after the 2008 financial crisis. Still, the largest savings rates were reached in 2020 and 2021. The reason for that increase in the savings rate that year might be related to the measures to contain the COVID-19 pandemic. The value of personal savings in the United Kingdom has also followed a similar trend. Although events like the COVID-19 pandemic may have affect many countries in a similar way, the ability to save, as well as the average savings as a share of personal income across countries can vary significantly depending on multiple factors affecting each territory.

In 2023, the savings of households in Switzerland represented over ***** percent of their disposable income. In contrast, households in Poland and Luxembourg amounted to **** and *** percent of their disposable income, respectively. Poland and Portugal had negative figures, which means that the final consumption of the households of that country was higher than their net disposable income.

Graph and download economic data for Personal Saving (PSAVE) from Q1 1947 to Q2 2025 about savings, personal, GDP, and USA.

The average for 2023 based on 140 countries was 23.02 percent. The highest value was in Macao: 46.87 percent and the lowest value was in Lebanon: -11.82 percent. The indicator is available from 1960 to 2024. Below is a chart for all countries where data are available.

Between 2012 and 2024, German households have had the highest saving rates of the major economies in the European Union (EU-27). While the gross savings of German households amounted to over ** percent of their disposable income in the first three quarters of 2024, that percentage just reached **** percent in Italy.

Key information about India Gross Savings Rate

• India Gross Savings Rate was measured at 30.7% in Mar 2024, compared with 30.7% in the previous year.
• India Gross Savings Rate is updated yearly, with data available from Mar 1951 to Mar 2024, and an average rate of 30.7%.
• The data reached an all-time high of 30.7% in Mar 2008 and a record low of 7.9% in Mar 1954.
• *This indicator will be no longer available from March 2026, 4th onwards. CEIC has a plan to remove the non-standard frequency indicator after the standard frequency indicator has been added and be available on this table. CEIC calculates Gross Domestic Savings Rate from annual Gross Domestic Savings and annual Nominal GDP. Ministry of Statistics and Programme Implementation provides Gross Domestic Savings in local currency and Nominal GDP in local currency based on SNA 2008, at 2011-2012 prices. Gross Domestic Savings Rate is annual frequency, ending in March of each year.
• In the latest reports, India GDP expanded 8.2% YoY in Sep 2025.
• India Nominal GDP reached 975,920.9 USD mn in Sep 2025. Its GDP deflator (implicit price deflator) increased 0.5% in Sep 2025.
• India GDP Per Capita reached 2,777.6 USD in Mar 2025.

Graph and download economic data for Household saving (W398RC1A027NBEA) from 1992 to 2023 about savings, households, GDP, and USA.

Key information about US Gross Savings Rate

• US Gross Savings Rate was measured at 17.0% in Jun 2025, compared with 17.0% in the previous quarter.
• US Gross Savings Rate is updated quarterly, with data available from Mar 1947 to Jun 2025, and an average rate of 17.0%.
• The data reached an all-time high of 17.0% in Mar 1965 and a record low of 13.4% in Sep 2009.
• The Bureau of Economic Analysis provides quarterly Gross National Savings Rate.
• In the latest reports, US GDP expanded 2.1% YoY in Jun 2025.
• US Nominal GDP reached 7,621,432.3 USD mn in Jun 2025. Its GDP deflator (implicit price deflator) increased 2.5% in Jun 2025.
• US GDP Per Capita reached 59,484.0 USD in Dec 2017.

Graph and download economic data for Personal Saving (PMSAVE) from Jan 1959 to Aug 2025 about savings, personal, and USA.

Among the ten largest economies worldwide, China was by far the one with the highest savings rate in 2023. Meanwhile, gross savings in the United States amounted to ***** percent of its gross domestic product (GDP) in 2024. Within this group of countries, the United Kingdom was the one with the lowest savings rate at nearly ***** percent in 2024. The rest of the countries in the list saved between ** and ** of their GDP.

This dataset provides values for INTEREST RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

In 2019, the household savings rates in these selected developed countries ranged from *** percent of disposable income in Finland to **** percent in Switzerland. In 2020, the coronavirus (COVID-19) outbreak and lockdowns implemented by governments led to an increase in the savings rate worldwide, due to reduced consumption expenditure. Why do people save? Savings behavior differs from country, as shown in this statistic. In the United States, most people save for unexpected expenses or retirement. In countries such as Finland, the savings rate may be lower because retirees can rely on generous pension funds. Other reasons that households save include vacation, educational expenses, and home purchase. Factors that affect saving High inflation leads to lower household savings. The projected increase in prices means that people would rather buy immediately, because saving and buying later means paying a higher price. As such, countries with an inflation rate are less likely to have a high savings rate. Other factors include a cultural disposition towards saving mechanisms, such as the emphasis on home ownership seen in the United States.

Graph and download economic data for National Rate: Savings (SNDR) from Apr 2021 to Nov 2025 about savings, deposits, rate, and USA.

Household Saving Rate in China decreased to 36.10 percent in 2016 from 37.10 percent in 2015. This dataset provides - China Deposits Interest Rates - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Key information about China Gross Savings Rate

• China Gross Savings Rate was measured at 43.4% in Dec 2024, compared with 43.4% in the previous year.
• China Gross Savings Rate is updated yearly, with data available from Dec 1952 to Dec 2024, and an average rate of 43.4%.
• The data reached an all-time high of 43.4% in Dec 2010 and a record low of 16.5% in Dec 1962.
• CEIC calculates Gross Domestic Savings Rate from annual Gross Domestic Savings and annual Nominal GDP. Gross Domestic Savings is calculated as Nominal GDP less Final Consumption Expenditure. The National Bureau of Statistics provides Final Consumption Expenditure in local currency and Nominal GDP in local currency.
• In the latest reports, China GDP expanded 4.8% YoY in Sep 2025.
• China Nominal GDP reached 4,953,358.4 USD mn in Sep 2025. Its GDP deflator (implicit price deflator) fell 1.0% in Sep 2025.
• China GDP Per Capita reached 13,306.2 USD in Dec 2024.

Graph and download economic data for Gross Saving (GSAVE) from Q1 1947 to Q2 2025 about savings, gross, GDP, and USA.

Traditional economic interpretations have not been successful in explaining differences in saving rates across countries. One hypothesis is that savings respond to cultural specific social norms. The accepted view in economics so far is that culture does not have any effect on savings. We revisit this evidence using a novel dataset, which allows us to study the saving behavior of up to three generations of immigrants in the United Kingdom. Against the backdrop of existing evidence, we find that cultural preferences are an important explanation for cross-country differences in saving behavior, and their relevance persists up to three generations.

Income, consumption and wealth (ICW) statistics are experimental statistics computed by Eurostat through the statistical matching of three data sources: the EU Statistics on Income and Living Conditions (EU-SILC), the Household Budget Survey (HBS) and the Household Finance and Consumption Survey (HFCS). These statistics enable us to observe at the same time the income that households receive, their expenditures and their accumulated wealth.

The annual collection of EU-SILC was launched in 2003 and is governed by Regulation 1700/2019 (previously: Regulation 1177/2003) of the European Parliament and of the Council. The EU-SILC collects cross-sectional and longitudinal information on income. HBS is a survey conducted every 5 years on the basis of an agreement between Eurostat, the Member States and EFTA countries. Data are collected using national questionnaires and, in most cases, expenditure diaries that respondents are asked to keep over a certain period of time. HFCS collects information on assets, liabilities, and to a limited extent income and consumption, of households. The survey is run by National Central Banks and coordinated by the European Central Bank.

This page focuses on the main issues of importance for the use and interpretation of ICW statistics. Information on the primary data sources can be found on the respective EU-SILC and HBS metadata pages and following the links provided in the sections 'related metadata' and 'annexes' below.

Experimental ICW statistics cover six topics: household economic resources, affordability of essential services, saving rates, poverty, household characteristics and taxation. Each topic contains several indicators with a number of different breakdowns, mainly by income quantile, by the age group of the household reference person, by household type, by the educational attainment level of the reference person, by the activity status of the reference person and by the degree of urbanization of the household. The indicators provide information on the joint distribution of income, consumption and wealth and the links between these three economic dimensions. They help to describe households' economic vulnerability and material well-being. They also help to explain the dynamics of wealth inequalities.

All indicators are to be understood to describe households, not persons. Breakdowns by age group, educational attainment level and activity status refer to the household reference person, which is the person with the highest income. The only exception are the tables icw_pov_01, icw_pov_10, icw_pov_11 and icw_pov_12 for which the income, consumption and wealth of households have been equivalised such that equal shares were attributed to each household member. Values in tables icw_aff are calculated for households reporting non-zero values only.

Note on table icw _res_01 and icw_res_02: The indicator “Households” [HH] in icw_res_01 shows the share of households in the selection, which hold the corresponding shares of total disposable income [INC_DISP], consumption expenditure [EXPN_CONS] and net wealth [WLTH_NET] of the entire population. In theory, turning two of the three dimensions [quant_inc, quant_expn, quant_wlth] to TOTAL and the third one to any quintile, should result into a share of 20% of households. Nevertheless, this share is often below or above 20% of the total population of households in the country. The reason for this is that our figures are based on sample surveys. This means that the share of households corresponds indeed to 20% of households in the sample, however when we multiply each household of the sample with its sampling weight, the resulting shares of households in the total population differ from the 20%. If, for example, we disregard the income and wealth of households in our sample, the first consumption quintile contains the 20% of households with lowest consumption in the sample. However, multiplying this selection of households with their corresponding sampling weights may result into a different share of the total population. The “Households” [HH] indicator indicates the real share of households in the population that make up the theoretical quintile.