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The households' saving rate is the ratio between the gross saving and the adjusted gross disposable income. Favorable economic conditions encourage higher spending, leading to a consequent drop in the savings rates. Between 2016 and 2023, the saving rate of Italian households stood stable at about ten percent. However, in 2020 it reached 17.4 percent due to an uncertain economic situation brought in by the COVID-19 pandemic, leading to a more precautionary behavior among consumers, that resulted in a higher saving rate. From 2024 on, the saving rate is forecasted to reach twelve percent of the adjusted gross disposable income.