About the US personal saving rate
The personal saving rate is the share of disposable (after-tax) personal income that households do not spend, as estimated monthly by the Bureau of Economic Analysis. It was around 10–13% in the 1960s and 1970s, fell to a few percent before 2008, and spiked above 30% in April 2020 when spending collapsed and stimulus payments arrived.
A falling saving rate can support spending in the short run but leaves households with less cushion; a rising one often signals caution.
Personal Saving Rate by year
| Year | Average | High | Low | December / latest |
|---|---|---|---|---|
| 2026 (to Sep) | 4.6% | 5.6% | 3.8% | 3.8% |
| 2025 | 5.4% | 6.2% | 4.9% | 5.0% |
| 2024 | 6.3% | 7.2% | 5.1% | 5.1% |
| 2023 | 6.1% | 6.6% | 5.0% | 6.6% |
| 2022 | 3.5% | 4.4% | 2.4% | 4.4% |
| 2021 | 11.4% | 26.2% | 6.8% | 6.8% |
| 2020 | 15.1% | 31.8% | 6.8% | 11.8% |
| 2019 | 7.3% | 8.5% | 6.2% | 6.2% |
| 2018 | 6.4% | 8.4% | 5.7% | 8.4% |
| 2017 | 5.8% | 6.3% | 5.0% | 5.0% |
| 2016 | 5.4% | 6.1% | 4.9% | 5.0% |
| 2015 | 5.8% | 6.4% | 5.6% | 5.8% |
| 2014 | 5.5% | 6.0% | 5.2% | 6.0% |
| 2013 | 5.0% | 5.4% | 4.5% | 4.5% |
| 2012 | 7.9% | 10.9% | 6.7% | 10.9% |
| 2011 | 6.6% | 7.2% | 6.3% | 7.2% |
| 2010 | 5.9% | 6.4% | 5.3% | 6.2% |
| 2009 | 5.7% | 7.8% | 4.4% | 5.4% |
| 2008 | 4.1% | 6.8% | 2.4% | 5.8% |
| 2007 | 2.5% | 3.0% | 1.9% | 2.4% |
| 2006 | 2.8% | 3.3% | 2.3% | 2.6% |
| 2005 | 2.3% | 2.7% | 1.4% | 2.5% |
| 2004 | 4.7% | 6.2% | 3.4% | 6.2% |
| 2003 | 5.2% | 5.9% | 4.9% | 5.0% |
| 2002 | 5.6% | 6.1% | 5.2% | 5.3% |
| 2001 | 4.7% | 6.9% | 2.9% | 3.7% |
| 2000 | 4.3% | 4.8% | 3.8% | 4.1% |
| 1999 | 4.6% | 6.1% | 3.7% | 3.7% |
| 1998 | 6.5% | 7.1% | 5.5% | 5.5% |
| 1997 | 6.0% | 6.5% | 5.7% | 6.1% |
Monthly values. The last 30 years are shown; the chart above has the full history since January 1959.
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Frequently asked questions
What is the current US personal saving rate?
The US personal saving rate was 3.8% in September 2026, down 1.3 points from a year earlier, according to the U.S. Bureau of Economic Analysis.
What was the highest US personal saving rate on record?
Since January 1959, the highest reading was 31.8% in April 2020 and the lowest was 1.4% in July 2005.
Where does this data come from?
The numbers are published by the U.S. Bureau of Economic Analysis and distributed by the Federal Reserve Bank of St. Louis in FRED (series PSAVERT). They are US government statistics in the public domain. Quotelinks checks for new data every day.
Can I put this US personal saving rate chart on my website?
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