National Income and Product Accounts (NIPA) Table 2.6 · Personal saving as a percentage of disposable personal income
What share of its income does the US save?
The personal saving rate was 3.8% in the month ended , down 1.3 percentage points from a year earlier.
Personal saving rate, seasonally adjusted, each month
Shaded bands are US recessions as the National Bureau of Economic Research dates them: to , to , to , to , to , to , to , to , to .
Shaded bands are US recessions as the National Bureau of Economic Research dates them: to .
Personal saving rate, change from a year earlier, each month (ours)
Shaded bands are US recessions as the National Bureau of Economic Research dates them: to , to , to , to , to , to , to , to , to .
Shaded bands are US recessions as the National Bureau of Economic Research dates them: to .
Each point is one month of the series as the source publishes it, or a change worked out from those values (ours). The US recessions are shaded. Pointing at the chart shows the month and the value.
Select a line to follow
Inspect and compare dates
The newest month beside the one before it and the nearest ones a year, five and ten years earlier. The last ten years are in the table under "The numbers behind the chart".
| Measure | Latest | The month before | A year earlier | Five years earlier | Ten years earlier |
|---|---|---|---|---|---|
| Month | |||||
| Personal saving rate | 3.8% | 4.0% | 5.1% | 7.8% | 5.1% |
| Change over a year | −1.3 pts | −1.2 pts | −0.6 pts | −5.5 pts | −0.7 pts |
The table scrolls sideways; the first column stays in place.
Observed .
Right now
The personal saving rate was 3.8% in September 2026, the lowest since October 2022.
Over a year it is down 1.3 percentage points (ours).
ChangeOurs
| Period | Then | Change |
|---|---|---|
| One month | 4.0%, the rate in | −0.2 percentage points |
| Three months | 4.4%, the rate in | −0.6 percentage points |
| Twelve months | 5.1%, the rate in | −1.3 percentage points |
| Five years | 7.8%, the rate in | −4.0 percentage points |
| Ten years | 5.1%, the rate in | −1.3 percentage points |
In historyOurs
The personal saving rate of 3.8% in was higher than in 56 of the 812 other months since , the same in 1 and lower in 755.
Highest since : 31.8% in . Lowest since : 1.4% in .
AverageOurs
Average since : 8.39% (ours, a plain mean of the 813 months).
Understanding the personal saving rate
Where it stands today
The personal saving rate was 3.8% in September 2026.
What does the personal saving rate measure?
The personal saving rate is personal saving as a percentage of disposable personal income. The Bureau of Economic Analysis (BEA) publishes it each month with personal income and outlays, about four weeks after the month ends.
Read more
Disposable personal income is personal income less personal current taxes. Personal saving is what is left of it after personal outlays: spending on goods and services, interest payments and transfer payments. The personal sector in BEA's accounts is households and the nonprofit institutions that serve them.
What 500metrics adds: the change over a year and over five years in percentage points, the highest and lowest value since the series begins, and the last month that was higher or lower.
The numbers behind the chart
What was the personal saving rate in each month?The last ten years, 120 months, newest first; the chart and the file have every month since Jan 1959
| Month | Value | Change over a year |
|---|---|---|
| 3.8% | −1.3 pts | |
| 4.0% | −1.2 pts | |
| 4.5% | −0.8 pts | |
| 4.4% | −1.1 pts | |
| 4.4% | −1.3 pts | |
| 4.4% | −1.8 pts | |
| 5.1% | −0.6 pts | |
| 5.3% | −0.4 pts | |
| 5.6% | −0.1 pts | |
| 5.0% | −0.1 pts | |
| 4.9% | −0.8 pts | |
| 4.9% | −0.9 pts | |
| 5.1% | −0.6 pts | |
| 5.2% | −1.0 pts | |
| 5.3% | −0.9 pts | |
| 5.5% | −1.1 pts | |
| 5.7% | −0.9 pts | |
| 6.2% | −0.5 pts | |
| 5.7% | −1.0 pts | |
| 5.7% | −1.2 pts | |
| 5.7% | −1.5 pts | |
| 5.1% | −1.5 pts | |
| 5.7% | −0.7 pts | |
| 5.8% | −0.4 pts |
Show 96 more rows
| Month | Value | Change over a year |
|---|---|---|
| 5.7% | −0.3 pts | |
| 6.2% | −0.1 pts | |
| 6.2% | 0.0 pts | |
| 6.6% | +0.3 pts | |
| 6.6% | +0.2 pts | |
| 6.7% | +0.6 pts | |
| 6.7% | +0.6 pts | |
| 6.9% | +1.3 pts | |
| 7.2% | +2.2 pts | |
| 6.6% | +2.2 pts | |
| 6.4% | +2.4 pts | |
| 6.2% | +2.6 pts | |
| 6.0% | +2.4 pts | |
| 6.3% | +2.9 pts | |
| 6.2% | +2.8 pts | |
| 6.3% | +3.9 pts | |
| 6.4% | +3.8 pts | |
| 6.1% | +3.4 pts | |
| 6.1% | +2.8 pts | |
| 5.6% | +1.4 pts | |
| 5.0% | +0.7 pts | |
| 4.4% | −2.4 pts | |
| 4.0% | −2.9 pts | |
| 3.6% | −3.6 pts | |
| 3.6% | −4.2 pts | |
| 3.4% | −5.5 pts | |
| 3.4% | −6.1 pts | |
| 2.4% | −6.3 pts | |
| 2.6% | −7.3 pts | |
| 2.7% | −9.6 pts | |
| 3.3% | −22.9 pts | |
| 4.2% | −8.8 pts | |
| 4.3% | −15.2 pts | |
| 6.8% | −5.0 pts | |
| 6.9% | −5.1 pts | |
| 7.2% | −5.6 pts | |
| 7.8% | −5.5 pts | |
| 8.9% | −5.0 pts | |
| 9.5% | −8.4 pts | |
| 8.7% | −9.6 pts | |
| 9.9% | −12.7 pts | |
| 12.3% | −19.5 pts | |
| 26.2% | +13.8 pts | |
| 13.0% | +5.5 pts | |
| 19.5% | +12.7 pts | |
| 11.8% | +5.6 pts | |
| 12.0% | +5.1 pts | |
| 12.8% | +5.7 pts | |
| 13.3% | +6.3 pts | |
| 13.9% | +7.0 pts | |
| 17.9% | +11.1 pts | |
| 18.3% | +11.2 pts | |
| 22.6% | +15.3 pts | |
| 31.8% | +24.2 pts | |
| 12.4% | +4.5 pts | |
| 7.5% | −1.0 pts | |
| 6.8% | −1.6 pts | |
| 6.2% | −2.2 pts | |
| 6.9% | +0.4 pts | |
| 7.1% | +0.4 pts | |
| 7.0% | +0.2 pts | |
| 6.9% | +0.3 pts | |
| 6.8% | +0.3 pts | |
| 7.1% | +0.8 pts | |
| 7.3% | +1.3 pts | |
| 7.6% | +1.6 pts | |
| 7.9% | +2.0 pts | |
| 8.5% | +2.7 pts | |
| 8.4% | +2.7 pts | |
| 8.4% | +3.4 pts | |
| 6.5% | +0.9 pts | |
| 6.7% | +0.7 pts | |
| 6.8% | +0.9 pts | |
| 6.6% | +0.5 pts | |
| 6.5% | +0.5 pts | |
| 6.3% | +0.3 pts | |
| 6.0% | −0.3 pts | |
| 6.0% | +0.3 pts | |
| 5.9% | +0.3 pts | |
| 5.8% | +0.2 pts | |
| 5.7% | +0.4 pts | |
| 5.0% | 0.0 pts | |
| 5.6% | +0.2 pts | |
| 6.0% | +0.7 pts | |
| 5.9% | +0.8 pts | |
| 6.1% | +1.0 pts | |
| 6.0% | +0.9 pts | |
| 6.0% | +1.1 pts | |
| 6.3% | +1.0 pts | |
| 5.7% | +0.2 pts | |
| 5.6% | −0.3 pts | |
| 5.6% | 0.0 pts | |
| 5.3% | −0.8 pts | |
| 5.0% | −0.8 pts | |
| 5.4% | −0.2 pts | |
| 5.3% | −0.5 pts |
What do these figures leave out, and how are they cited?Limits, dates and how to cite
What this number cannot tell you
- BEA revises each month in the releases that follow and revises past years in its annual updates. This page shows the newest estimate of every month, so an earlier month can differ from the figure first published.
- Saving is a remainder: BEA works out income and outlays from separate sources and takes the difference, so a revision to either moves the rate, and a small revision to a large income can move a rate of a few percent by a visible amount.
- The changes and the ranks are ours, worked out from the values BEA publishes; a change is in percentage points.
- This product uses the Bureau of Economic Analysis (BEA) Data API but is not endorsed or certified by BEA.
Observed . Checked .
How to cite this
U.S. Bureau of Economic Analysis, National Income and Product Accounts, Personal saving as a percentage of disposable personal income, through September 2026. Compiled by 500metrics, "What share of its income does the US save?", https://500metrics.com/personal-saving-rate.
Can the data be downloaded?personal-saving-rate.csv
Download the full history as CSV: 813 rows, to , 13,714 bytes.
Our text and compilation: CC BY 4.0.
Recession dates from the National Bureau of Economic Research.
Page updated