CPI 3.7%Unemployment 4.2%30Y mortgage 7.24%Saving 3.8¢ per $1Debt service 11.11%Fed funds 3.88%10Y Treasury 4.98%U.S. debt $40.594TDebt / household $301,162Household pressure 43.2

How much of each after-tax dollar do households save?

Personal saving rate

Personal saving as a percentage of disposable personal income, from the Bureau of Economic Analysis, seasonally adjusted annual rate.

3.8%

Percent of disposable income, September 2026

−1.3 pts from a year earlier

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Percent of disposable income

Shaded: U.S. recessions (NBER)

What this measures

Saving is what is left of after-tax income once households have paid for consumption, interest and transfers. A rate of 4% means four cents of every after-tax dollar went unspent.

A falling saving rate can mean confidence, or it can mean households are stretching to keep up with prices. Read it together with real income: saving that falls while real income also falls is a sign of strain.

Source: BEA Personal Income and Outlays via FRED (PSAVERT). Updated automatically when the source publishes. How we handle data · Embed this chart

Personal saving rate

What this measures

The household economy, once a month