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Personal Saving Rate

Share of after-tax income households save rather than spend.

2.6%
Percent · latest, Apr 2026
vs prior month ▼ 0.6 pp
vs year ago ▼ 2.9 pp
1960-61 Recession · Apr 1960 – Feb 19611969-70 Recession · Dec 1969 – Nov 19701973-75 Recession · Nov 1973 – Mar 19751980 Recession · Jan 1980 – Jul 19801981-82 Recession · Jul 1981 – Nov 19821990-91 Recession · Jul 1990 – Mar 19912001 Recession · Mar 2001 – Nov 2001Global Financial Crisis · Dec 2007 – Jun 2009COVID-19 Recession · Feb 2020 – Apr 20205%10%15%20%25%30%19601970198019902000201020202.6%

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Source: FRED · PSAVERT · series · Jan 1959 to Apr 2026 · latest-revised

Reading it. The share of after-tax income households do not spend. It is a residual in the national accounts (income minus outlays), so it is revised as those inputs are, and it captures saving in aggregate, not for any one household.

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 or policy up with a move on this chart is not evidence that it caused the move.

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