Explore
Personal Saving Rate
Share of after-tax income households save rather than spend.
2.7%
Percent · latest, Jun 2026
vs prior month▼ 0.1 pp
vs year ago▼ 1.9 pp
| Year | Personal Saving Rate |
|---|---|
| 1959 | 11.0% |
| 1960 | 10.4% |
| 1961 | 11.6% |
| 1962 | 10.3% |
| 1963 | 10.7% |
| 1964 | 12.5% |
| 1965 | 11.7% |
| 1966 | 11.6% |
| 1967 | 11.8% |
| 1968 | 11.1% |
| 1969 | 11.8% |
| 1970 | 13.2% |
| 1971 | 13.0% |
| 1972 | 13.7% |
| 1973 | 14.8% |
| 1974 | 14.0% |
| 1975 | 12.0% |
| 1976 | 10.6% |
| 1977 | 11.4% |
| 1978 | 10.4% |
| 1979 | 10.1% |
| 1980 | 11.4% |
| 1981 | 12.4% |
| 1982 | 10.9% |
| 1983 | 10.1% |
| 1984 | 11.1% |
| 1985 | 8.6% |
| 1986 | 6.8% |
| 1987 | 8.4% |
| 1988 | 8.3% |
| 1989 | 7.7% |
| 1990 | 8.8% |
| 1991 | 9.8% |
| 1992 | 10.5% |
| 1993 | 9.0% |
| 1994 | 7.0% |
| 1995 | 6.0% |
| 1996 | 6.1% |
| 1997 | 6.1% |
| 1998 | 5.5% |
| 1999 | 3.7% |
| 2000 | 4.1% |
| 2001 | 3.7% |
| 2002 | 5.3% |
| 2003 | 5.0% |
| 2004 | 6.2% |
| 2005 | 2.5% |
| 2006 | 2.6% |
| 2007 | 2.4% |
| 2008 | 5.8% |
| 2009 | 5.4% |
| 2010 | 6.2% |
| 2011 | 7.2% |
| 2012 | 10.9% |
| 2013 | 4.5% |
| 2014 | 6.0% |
| 2015 | 5.8% |
| 2016 | 5.0% |
| 2017 | 5.0% |
| 2018 | 8.4% |
| 2019 | 6.2% |
| 2020 | 11.8% |
| 2021 | 6.6% |
| 2022 | 4.2% |
| 2023 | 5.6% |
| 2024 | 4.3% |
| 2025 | 3.6% |
| 2026 | 2.7% |
Hover the line to read any month. Drag across the chart to zoom; double-click to reset.
Source: FRED · PSAVERT · series · Jan 1959 to Jun 2026 · latest-revised
Refreshed Jul 31, 2026 from FRED.
Share of after-tax income households save rather than spend.
Personal saving as a percentage of disposable personal income.
Source: FRED · Jun 2026 · Full lesson → Learn
About the bands. Shaded spans are NBER-dated US recessions, drawn as factual overlays. They mark when the economy contracted, not why. Lining an event up with a move is not evidence it caused the move.
Read across
No single number is the economy. These measure nearby parts of it — add one to compare, or open it on its own.
- Real Disposable Income per Capita The after-tax income households save out of.
- Household Debt-Service Ratio Required debt payments as a share of that income.
- Credit-Card Delinquency Rate Credit-card balances falling behind.