Personal savings to income rate U.S. 2025| ��ƽ��

Personal savings as a percentage of disposable income in the United States from 1960 to 2025

Characteristic	Personal savings rate
2025	4.6%
2024	5.4%
2023	5.6%
2022	3.4%
2021	11.3%
2020	15.1%
2019	7.3%
2018	6.4%
2017	5.8%
2016	5.4%
2015	5.9%
2014	5.5%
2013	5%
2012	7.9%
2011	6.6%
2010	5.9%
2009	5.7%
2008	4.1%
2007	2.5%
2006	2.8%
2005	2.3%
2004	4.7%
2003	5.2%
2002	5.6%
2001	4.7%
2000	4.3%
1999	4.6%
1998	6.5%
1997	6%
1996	6.3%
1995	6.9%
1994	6.8%
1993	7.8%
1992	9.4%
1991	8.9%
1990	8.4%
1989	8.3%
1988	8.4%
1987	7.5%
1986	8.8%
1985	9.1%
1984	11.2%
1983	10.1%
1982	12%
1981	11.7%
1980	11.1%
1979	10.3%
1978	10.7%
1977	10.7%
1976	11.6%
1975	13.4%
1974	13.3%
1973	13.5%
1972	12.4%
1971	13.5%
1970	12.8%
1969	10.9%
1968	11.3%
1967	12.3%
1966	11.2%
1965	11.4%
1964	11.6%
1963	10.7%
1962	11.2%
1961	11.3%
1960	10.1%

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Release date

June 2026

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Region

United States

Survey time period

1960 to 2025

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In 2025, personal savings amounted to 4.6 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 six 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.