In the 1st quarter of 2025, personal savings amounted to 3.97 percent of the disposable income in the United States. The personal savings rate peaked in 2020, when U.S. households saved on average over 15 percent of their income. After that, it has remained between three and five percent. Savings during recessions During recessions, households often tend to increase their savings due to economic uncertainty and to compensate for any possible loss of income, which could occur, for example, in the case of falling into unemployment. For example, as seen in this statistic, the savings rate increased noticeably between 2007 and 2012, coinciding with a period of crisis. However, there are also factors that affect the amount of money that households can manage to set aside, such as inflation. Saving can be particularly difficult during periods when the inflation rate has been higher than the growth rates of wages. Savings accounts The value of savings deposits and other checkable deposits in the U.S. amounted to roughly 11 trillion U.S. dollars in early 2025, even after a significant fall in the amount of money placed in those types of instruments. In other words, savings accounts are a type of financial asset that is very widely used among households to save money. Nevertheless, interest rates of savings’ accounts differ a lot from one financial institution to another. Some of the lesser-known online banks had the highest interest rates, while the major banks often offered lower interest rates.

Graph and download economic data for Personal saving as a percentage of disposable personal income (A072RC1Q156SBEA) from Q1 1947 to Q1 2025 about disposable, savings, personal income, percent, personal, income, GDP, and USA.

In 2018, approximately 40 percent of people in the United Kingdom (UK) aged between 22 and 29 years were saving adequately, whereas in the age group of 50 to 59 years, this share was much higher, at 62 percent. The older people get, the more likely they are to prioritise retirement saving in their personal budget. It is recommended that at least 12 percent of the individual income is put aside as retirement savings.

Geography (14 items: Canada; Newfoundland and Labrador; Prince Edward Island; Nova Scotia; ...); Statistics (4 items: Value; Distribution of value; Value per household; Value per consumption unit); Characteristics (1 item: All households); Income, consumption and savings (23 items: Household disposable income; Compensation of employees; Net mixed income; Property income received; ...).

The statistic shows the share of Americans aged between 50 and 64 with no retirement savings in 2010. The categories are divided into income quartiles ranging from 0 to 10,800 U.S. dollars in the bottom 25th percentile to more than 52,201 U.S. dollars in the 75-100th percentile. The percentage of Americans in the bottom 25th percentile was equal to 77 percent.

Saving for retirement

Without a shadow of a doubt, the recession has had an impact on retirement plans and how people save. It is clear to see just how alarming the situation is when one takes into account the sheer amount of Americans aged between 50 and 64 who have no retirement savings. And even for those who have saved and regularly paid into retirement savings the outlook is less than secure. Adding to the worry are the increasing claims being made by industry experts that the savings accrued by middle-class seniors will have nowhere near the required level of sufficiency to support current standards of living in to retirement.

It is important to start thinking and planning in order to be able to enjoy an early retirement. Those who start to save later for retirement, and forego early saving practices will realize that playing catch-up and saving much more intensively later in life is extremely punishing. Everyone wants different things in retirement and first of all it is important to decide what sort of retirement lifestyle is desirable for the individual. Knowing what the desired lifestyle is will help to determine how much money will need to be saved.

We study the relation between the distribution of labor earnings and the distribution of wealth. We show, theoretically as well as empirically, that while labor earnings and precautionary savings are important determinants of wealth inequality factors, they cannot by themselves account for the thick tail of (the large top shares in) the observed distribution of wealth. Other determinants, like stochastic returns to wealth, as well as savings rates and rates of returns increasing in wealth, need to be accounted for.

Explore the Saudi Arabia World Development Indicators dataset , including key indicators such as Access to clean fuels, Adjusted net enrollment rate, CO2 emissions, and more. Find valuable insights and trends for Saudi Arabia, Bahrain, Kuwait, Oman, Qatar, China, and India.

Indicator, Access to clean fuels and technologies for cooking, rural (% of rural population), Access to electricity (% of population), Adjusted net enrollment rate, primary, female (% of primary school age children), Adjusted net national income (annual % growth), Adjusted savings: education expenditure (% of GNI), Adjusted savings: mineral depletion (current US$), Adjusted savings: natural resources depletion (% of GNI), Adjusted savings: net national savings (current US$), Adolescents out of school (% of lower secondary school age), Adolescents out of school, female (% of female lower secondary school age), Age dependency ratio (% of working-age population), Agricultural methane emissions (% of total), Agriculture, forestry, and fishing, value added (current US$), Agriculture, forestry, and fishing, value added per worker (constant 2015 US$), Alternative and nuclear energy (% of total energy use), Annualized average growth rate in per capita real survey mean consumption or income, total population (%), Arms exports (SIPRI trend indicator values), Arms imports (SIPRI trend indicator values), Average working hours of children, working only, ages 7-14 (hours per week), Average working hours of children, working only, male, ages 7-14 (hours per week), Cause of death, by injury (% of total), Cereal yield (kg per hectare), Changes in inventories (current US$), Chemicals (% of value added in manufacturing), Child employment in agriculture (% of economically active children ages 7-14), Child employment in manufacturing, female (% of female economically active children ages 7-14), Child employment in manufacturing, male (% of male economically active children ages 7-14), Child employment in services (% of economically active children ages 7-14), Child employment in services, female (% of female economically active children ages 7-14), Children (ages 0-14) newly infected with HIV, Children in employment, study and work (% of children in employment, ages 7-14), Children in employment, unpaid family workers (% of children in employment, ages 7-14), Children in employment, wage workers (% of children in employment, ages 7-14), Children out of school, primary, Children out of school, primary, male, Claims on other sectors of the domestic economy (annual growth as % of broad money), CO2 emissions (kg per 2015 US$ of GDP), CO2 emissions (kt), CO2 emissions from other sectors, excluding residential buildings and commercial and public services (% of total fuel combustion), CO2 emissions from transport (% of total fuel combustion), Communications, computer, etc. (% of service exports, BoP), Condom use, population ages 15-24, female (% of females ages 15-24), Container port traffic (TEU: 20 foot equivalent units), Contraceptive prevalence, any method (% of married women ages 15-49), Control of Corruption: Estimate, Control of Corruption: Percentile Rank, Upper Bound of 90% Confidence Interval, Control of Corruption: Standard Error, Coverage of social insurance programs in 4th quintile (% of population), CPIA building human resources rating (1=low to 6=high), CPIA debt policy rating (1=low to 6=high), CPIA policies for social inclusion/equity cluster average (1=low to 6=high), CPIA public sector management and institutions cluster average (1=low to 6=high), CPIA quality of budgetary and financial management rating (1=low to 6=high), CPIA transparency, accountability, and corruption in the public sector rating (1=low to 6=high), Current education expenditure, secondary (% of total expenditure in secondary public institutions), DEC alternative conversion factor (LCU per US$), Deposit interest rate (%), Depth of credit information index (0=low to 8=high), Diarrhea treatment (% of children under 5 who received ORS packet), Discrepancy in expenditure estimate of GDP (current LCU), Domestic private health expenditure per capita, PPP (current international $), Droughts, floods, extreme temperatures (% of population, average 1990-2009), Educational attainment, at least Bachelor's or equivalent, population 25+, female (%) (cumulative), Educational attainment, at least Bachelor's or equivalent, population 25+, male (%) (cumulative), Educational attainment, at least completed lower secondary, population 25+, female (%) (cumulative), Educational attainment, at least completed primary, population 25+ years, total (%) (cumulative), Educational attainment, at least Master's or equivalent, population 25+, male (%) (cumulative), Educational attainment, at least Master's or equivalent, population 25+, total (%) (cumulative), Electricity production from coal sources (% of total), Electricity production from nuclear sources (% of total), Employers, total (% of total employment) (modeled ILO estimate), Employment in industry (% of total employment) (modeled ILO estimate), Employment in services, female (% of female employment) (modeled ILO estimate), Employment to population ratio, 15+, male (%) (modeled ILO estimate), Employment to population ratio, ages 15-24, total (%) (national estimate), Energy use (kg of oil equivalent per capita), Export unit value index (2015 = 100), Exports of goods and services (% of GDP), Exports of goods, services and primary income (BoP, current US$), External debt stocks (% of GNI), External health expenditure (% of current health expenditure), Female primary school age children out-of-school (%), Female share of employment in senior and middle management (%), Final consumption expenditure (constant 2015 US$), Firms expected to give gifts in meetings with tax officials (% of firms), Firms experiencing losses due to theft and vandalism (% of firms), Firms formally registered when operations started (% of firms), Fixed broadband subscriptions, Fixed telephone subscriptions (per 100 people), Foreign direct investment, net outflows (% of GDP), Forest area (% of land area), Forest area (sq. km), Forest rents (% of GDP), GDP growth (annual %), GDP per capita (constant LCU), GDP per unit of energy use (PPP $ per kg of oil equivalent), GDP, PPP (constant 2017 international $), General government final consumption expenditure (current LCU), GHG net emissions/removals by LUCF (Mt of CO2 equivalent), GNI growth (annual %), GNI per capita (constant LCU), GNI, PPP (current international $), Goods and services expense (current LCU), Government Effectiveness: Percentile Rank, Government Effectiveness: Percentile Rank, Lower Bound of 90% Confidence Interval, Government Effectiveness: Standard Error, Gross capital formation (annual % growth), Gross capital formation (constant 2015 US$), Gross capital formation (current LCU), Gross fixed capital formation, private sector (% of GDP), Gross intake ratio in first grade of primary education, male (% of relevant age group), Gross intake ratio in first grade of primary education, total (% of relevant age group), Gross national expenditure (current LCU), Gross national expenditure (current US$), Households and NPISHs Final consumption expenditure (constant LCU), Households and NPISHs Final consumption expenditure (current US$), Households and NPISHs Final consumption expenditure, PPP (constant 2017 international $), Households and NPISHs final consumption expenditure: linked series (current LCU), Human capital index (HCI) (scale 0-1), Human capital index (HCI), male (scale 0-1), Immunization, DPT (% of children ages 12-23 months), Import value index (2015 = 100), Imports of goods and services (% of GDP), Incidence of HIV, ages 15-24 (per 1,000 uninfected population ages 15-24), Incidence of HIV, all (per 1,000 uninfected population), Income share held by highest 20%, Income share held by lowest 20%, Income share held by third 20%, Individuals using the Internet (% of population), Industry (including construction), value added (constant LCU), Informal payments to public officials (% of firms), Intentional homicides, male (per 100,000 male), Interest payments (% of expense), Interest rate spread (lending rate minus deposit rate, %), Internally displaced persons, new displacement associated with conflict and violence (number of cases), International tourism, expenditures for passenger transport items (current US$), International tourism, expenditures for travel items (current US$), Investment in energy with private participation (current US$), Labor force participation rate for ages 15-24, female (%) (modeled ILO estimate), Development

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We quantitatively identify the factors that drive wealth dynamics in the United States and are consistent with its skewed cross-sectional distribution and with social mobility. We concentrate on three critical factors: (i) skewed earnings, (ii) differential saving rates across wealth levels, and (iii) stochastic idiosyncratic returns to wealth. All of these are fundamental for matching both distribution and mobility. The stochastic process for returns which best fits the cross-sectional distribution of wealth and social mobility in the United States shares several statistical properties with those of the returns to wealth uncovered by Fagereng et al. (2017) from tax records in Norway.

Data of Organisation for Economic Co-operation and Development member countries.

Thailand NNI: Appropriated Corporation Profit: Saving data was reported at 1,250,864.000 THB mn in 2016. This records an increase from the previous number of 940,321.000 THB mn for 2015. Thailand NNI: Appropriated Corporation Profit: Saving data is updated yearly, averaging 332,130.000 THB mn from Dec 1990 (Median) to 2016, with 27 observations. The data reached an all-time high of 1,250,864.000 THB mn in 2016 and a record low of 84,101.000 THB mn in 1998. Thailand NNI: Appropriated Corporation Profit: Saving data remains active status in CEIC and is reported by National Economic and Social Development Board. The data is categorized under Global Database’s Thailand – Table TH.A035: SNA1993: GDP: National Income Distribution: Current Price (Annual).

This table contains 58320 series, with data for years 1999 - 2016 (not all combinations necessarily have data for all years). This table contains data described by the following dimensions (Not all combinations are available): Geography (20 items: Canada; Atlantic; Newfoundland and Labrador; Prince Edward Island; ...); Assets and debts (27 items: Total assets; Private pension assets; Registered Retirement Savings Plans (RRSPs), Registered Retirement Income Funds (RRIFs), Locked-in Retirement Accounts (LIRAs) and other; Employer-sponsored Registered Pension Plans (EPPs); ...); Net worth quintiles (6 items: Total, all net worth quintiles; Lowest net worth quintile; Second net worth quintile; Middle net worth quintile; ...); Statistics (6 items: Total values; Percentage of total assets or total debts; Number holding asset or debt; Percentage holding asset or debt; ...); Confidence intervals (3 items: Estimate; Lower bound of a 95% confidence interval; Upper bound of a 95% confidence interval).