Global Household Savings Statistics 2026: Rates by Country

Euro area households saved 14.2% of gross disposable income in Q2 2026, down from 14.4% in Q1, Eurostat reported. In the US, the Bureau of Economic Analysis (BEA) put the personal saving rate at 4.1% in August 2026, with personal saving of $990.2 billion. On paper, the euro area rate is 3.46 times the US rate. Global household savings statistics are harder to compare than they look, though. The two agencies divide different numerators by different incomes, so part of that gap is measurement rather than thrift.

The UK household saving ratio increased by 0.2 percentage points to 8.8% in Quarter 2 of 2026, while Australia’s household saving ratio edged higher to 6.5% in the June quarter of 2026. Japanese households held ¥2,519 trillion in financial assets at end-June 2026, 44.9% of it in currency and deposits. The sections below set the latest official readings side by side, rank the EU’s savers, and track how households in the US, Japan and China hold what they put aside.

Key Takeaways

• The euro area household saving rate decreased to 14.2% in Q2 2026, as consumption rose 1.3% and gross disposable income 1.1%.
• Czechia’s 2025 gross household saving rate was 19.20%, against a provisional 1.81% in Romania.
• Bank of Japan data show household equity holdings rose 47.0% year on year to end-June 2026, while currency and deposits grew 0.5%.
• People’s Bank of China figures show household deposits rose by RMB9.39 trillion in the first three quarters of 2026, while household loans decreased by RMB1.03 trillion.
• The Federal Reserve found 63% of US adults would cover a $400 emergency expense using cash or its equivalent in 2025, unchanged from the previous three years.
• 55% of US adults had 3 months of emergency savings in 2025, from 21% without a high school degree to 72% with a bachelor’s degree or more.
• The World Bank Group’s Global Findex 2025 shows 40% of adults in developing economies saved in a financial account in 2024.

Editor’s Choice

• US personal saving: $990.2 billion in August 2026.
• Euro area household investment rate: 8.3% in Q2 2026, from 8.4% in Q1 2026.
• European Union gross household saving rate: 14.32% in 2025, from 14.52% in 2024.
• UK real household disposable income per head: up 1.0% in Quarter 2 of 2026.
• Japan household financial assets: ¥2,519 trillion at end-June 2026, up 11.0% year on year.
• Outstanding RMB deposits: RMB349.45 trillion at end-September 2026, up 7.5% year on year.
• Adults worldwide with a financial account: nearly 80%, up from 50% in 2011.

Global Household Savings Statistics by Country: Latest Readings

• Euro area: the household saving rate was 14.2% in Q2 2026, down from 14.4% in Q1, as consumption grew faster than gross disposable income.
• European Union: the gross household saving rate across 27 countries was 14.32% in 2025.
• UK: the Office for National Statistics (ONS) put the saving ratio at 8.8% in Quarter 2 of 2026, driven by a rise in the contribution of non-pension saving.
• Australia: the Australian Bureau of Statistics (ABS) reported a ratio of 6.5% in the June quarter of 2026, which the Queensland Government Statistician’s Office called largely in line with pre-COVID rates.
• US: personal saving was $990.2 billion in August, a personal saving rate of 4.1% of disposable personal income (DPI).
• Range among EU countries with 2025 data: Czechia reported 19.20% for 2025, while Romania’s provisional 2025 rate was 1.81%.

Source: Eurostat 2025 and Q2 2026, ONS Q2 2026, ABS June quarter 2026, BEA August 2026

Why do European saving rates look higher than US rates?

Eurostat’s gross household saving rate covers households and non-profit institutions serving households, with gross disposable income adjusted for the change in households’ net equity in pension fund reserves. BEA’s rate is personal saving as a percentage of DPI. Different formulas mean the headline gap is partly a measurement gap.

Don't chase the news. Let us curate it.

You get one weekly briefing with only the stories that matter. If the market is quiet, we skip it.

Email address

Get the Weekly Briefing - it's free!

Read by pros at Visa, Mastercard, Vanguard, and the FDIC.

About This Data

Compiled from 11 sources: 8 statistical and central bank releases and datasets (Eurostat, BEA, ONS, the ABS release as summarized by Queensland’s statistician, the Bank of Japan and the People’s Bank of China), 3 Federal Reserve survey pages and 1 World Bank release. Publication dates run from July 2025 to October 2026. Only official data qualified. Figures are reviewed on a rolling basis and updated when sources publish new editions.

Euro Area Household Saving Rate by Quarter

• The euro area household saving rate decreased to 14.2% in Q2 2026, as consumption rose 1.3% against 1.1% growth in gross disposable income.
• The rate was 15.1% in Q3 2024 and again in Q2 2025, before easing to 14.3% in Q4 2025.
• The household investment rate decreased from 8.4% to 8.3% in Q2 2026, as gross fixed capital formation grew 0.5%.
• Gross disposable income grew 0.7% quarter over quarter in Q1 2026 and 1.1% in Q2 2026.
• The figures come from a first release of seasonally adjusted quarterly European sector accounts.

Recent Developments

• October 2, 2026: Eurostat reported the euro area household saving rate decreased to 14.2% in the second quarter of 2026, compared with 14.4% in the first quarter.
• September 30, 2026: BEA reported personal saving of $990.2 billion for August 2026 and a personal saving rate of 4.1%.
• September 30, 2026: UK households increased their net lending position to 2.4% of GDP in Quarter 2, from 2.3% of GDP in Quarter 1 2026.
• September 17, 2026: Bank of Japan preliminary Flow of Funds data put household financial assets at ¥2,519 trillion at end-June 2026.
• September 2, 2026: ABS national accounts showed the household saving ratio edging higher to 6.5% in the June quarter of 2026, from 6.4%.
• Q1 to Q3 2026: People’s Bank of China data showed RMB deposits up RMB20.76 trillion, including RMB9.39 trillion in household deposits.

Highest Household Saving Rates in the EU

• Czechia’s gross household saving rate was 19.20% in 2025, down from 19.70% in 2024.
• Germany’s provisional 2025 rate was 18.86%, and Hungary’s provisional 2025 rate was 18.71%.
• Netherlands households’ rate rose to a provisional 17.38% in 2025, from 16.66% in 2024.
• Sweden’s rate fell to 16.01% in 2025, from 18.74% in 2024.
• Malta’s provisional 2024 rate was 18.82%, and France’s provisional 2024 rate was 17.93%.

Austria’s rate fell to 15.69% in 2025 from 17.31% in 2024, while Finland’s rose to 13.83% from 12.23%. The year-on-year comparison below separates the countries where saving fell in 2025 from the handful where it rose.

Source: Eurostat, 2024 and 2025 (figures for Germany, Hungary, Netherlands, Portugal and Romania include provisional values)

Lowest Household Saving Rates in the EU

• Greece’s provisional 2024 gross household saving rate was a negative 2.51%, and Romania’s provisional 2024 rate was a negative 0.92%.
• Romania’s provisional rate moved to 1.81% in 2025.
• Latvia’s 2024 rate was 4.94%, and Cyprus posted a provisional 5.57%.
• European Union households saved 14.52% on the same gross measure in 2024.
• A negative gross saving rate means households spent more than their disposable income over the year, funded by drawing on assets or borrowing.

Source: Eurostat, 2024

US Personal Saving Rate

• Personal saving was $990.2 billion in August 2026, and the personal saving rate was 4.1% of DPI.
• DPI increased $68.6 billion (0.3%) in August, while personal consumption expenditures (PCE) increased $190.8 billion (0.9%).
• Personal outlays increased $190.7 billion in August.
• Real DPI growth was 0.0% in August, after 0.3% in July, while real PCE rose 0.6%.
• The PCE price index for August increased 3.4% from the same month one year ago, and 3.0% excluding food and energy.

What is the household saving rate in the US?

The US Bureau of Economic Analysis put the personal saving rate at 4.1% for August 2026, with personal saving of $990.2 billion. The rate is personal saving as a percentage of DPI, which is personal income less personal current taxes. BEA’s next release, for September 2026, is scheduled for October 29, 2026.

The $400 Emergency Expense Test

• 63% of US adults would cover a $400 emergency expense completely using cash or its equivalent in 2025.
• The share was down from a high of 68% in 2021.
• The share was 50% in 2013.
• Among adults with income less than $50,000, 4 in 10 could not cover even a $100 emergency expense with only their savings.
• The Federal Reserve fielded the 2025 Survey of Household Economics and Decisionmaking (SHED) in October.

Key finding: The Fed’s SHED found 63% of US adults would cover a $400 emergency expense with cash or its equivalent in 2025, versus 68% in 2021. Four flat readings in a row suggest the post-pandemic cushion has stopped shrinking, but it has not rebuilt either, and the lower-income tail remains thin.

Americans With Three Months of Emergency Savings

• 55% of US adults had 3 months of emergency savings in 2025, the same share as in 2024.
• The share was 59% in 2021 and 47% in 2015.
• 71% of adults aged 60 and over had 3 months of emergency savings in 2025, against 37% of adults aged 18 to 29.
• By race and ethnicity, the 2025 shares were 68% for Asian adults, 61% for White adults, 43% for Hispanic adults and 38% for Black adults.
• Progress toward retirement saving goals was unchanged from 2024.

By education, 72% of adults with a bachelor’s degree or more had 3 months saved in 2025, against 21% of adults without a high school degree. That spread tracks the wider wealth divide by education.

Source: Federal Reserve SHED, 2021 and 2025

Among adults aged 18 to 29, the share fell to 37% in 2025 from 46% in 2021, while adults aged 60 and over slipped to 71% from 73%.

Source: Federal Reserve SHED, 2021 and 2025

UK Household Saving Ratio

• The household saving ratio increased by 0.2 percentage points to 8.8% in Quarter 2 of 2026, driven by a rise in the contribution of non-pension saving.
• The ratio estimates the money households have available to save as a percentage of their gross disposable income, plus pension accumulations.
• UK quarterly sector accounts data were released on September 30, 2026.

Source: ONS, Quarter 2 2026

Japan Household Financial Assets

• Japanese households held ¥2,519 trillion in financial assets at end-June 2026, up 11.0% from a year earlier.
• Outstanding household financial assets were ¥2,269 trillion at end-June 2025 and ¥2,406 trillion at end-March 2026.
• Year-on-year growth in total household assets went from 1.4% in Q2 2025 to 8.1% in Q1 2026 and 11.0% in Q2 2026.
• Japan’s central bank published the preliminary figures on September 17, 2026.

By the numbers: Bank of Japan data put household financial assets at ¥2,519 trillion at end-June 2026, including ¥1,132 trillion in currency and deposits. These are amounts outstanding, so part of the growth reflects market prices as well as new money. Deposit growth is the cleaner read on fresh saving.

How Japanese Households Hold Their Savings

• Currency and deposits totaled ¥1,132 trillion, or 44.9% of household financial assets, at end-June 2026.
• Insurance, pension and standardized guarantees made up ¥586 trillion (23.3%), and equity ¥486 trillion (19.3%).
• Investment trust beneficiary certificates reached ¥193 trillion, or 7.7% of assets.

Equity holdings rose 47.0% year on year to end-June 2026, and investment trust beneficiary certificates 36.8%, while currency and deposits grew 0.5%. Deposits still dominate the stock, yet the fastest growth sits in market-linked assets.

China Household Deposits

• RMB deposits increased by RMB20.76 trillion in the first three quarters of 2026, with household deposits up RMB9.39 trillion.
• Household loans decreased by RMB1.03 trillion over the same period, with short-term loans down RMB1.14 trillion and medium- and long-term loans up RMB106.2 billion.
• Outstanding RMB deposits reached RMB349.45 trillion at end-September, up 7.5% year on year.
• New RMB loans totaled RMB11.52 trillion in the first three quarters, as loans to enterprises and public institutions grew by RMB12.55 trillion.

Why it matters: Households accounted for 45.2% of the RMB20.76 trillion rise in RMB deposits in the first three quarters of 2026. Adding deposits while shrinking loans is saving by two routes at once. Households are building cash and cutting leverage in the same nine months.

Formal Saving in Developing Economies

• 40% of adults in developing economies saved in a financial account in 2024, a 16-percentage-point increase since 2021.
• 10% of adults in developing economies used a mobile-money account to save, a 5-percentage point increase from 2021.
• Nearly 80% of adults worldwide now have a financial account, up from 50% in 2011, while 1.3 billion adults still lack access to financial services.
• The figures come from the World Bank Group’s Global Findex 2025 report, published on July 16, 2025.

Source: World Bank Group Global Findex, 2024

In Sub-Saharan Africa, formal savings increased by 12-percentage points to 35% of adults. In the Middle East and North Africa, 17% of adults saved formally in 2024, up from 11% in 2021. The Findex survey figures date from 2024 and were published in July 2025.

Conclusion

Euro area households saved 14.2% in Q2 2026, and the US personal saving rate was 4.1% in August 2026. Part of that gap reflects formulas, so the sharper stories sit underneath. Japanese equity and fund holdings are growing far faster than deposits. Chinese households are adding deposits while repaying loans. The American cash cushion has not moved in four surveys.

BEA’s next release, for September 2026, is scheduled for October 29, 2026. Eurostat’s third-quarter reading follows and will show whether euro area spending kept outrunning income, as US spending did in August.