Household Income, Wages & Living Standards · U.S. Bureau of Economic Analysis (BEA)
U.S. Personal Saving Rate by Year (1959-2025)
The personal saving rate measures the share of disposable personal income left over after household consumption expenditures and non-mortgage interest payments. In 2025, personal saving rate recorded 5.41% of Disposable Income, compared with 6.28 in 2024. Across the 67-year archive (1959-2025), readings have ranged between 2.25 (2005) and 15.09 (2020).
Series Summary Ledger
- 2025 Reading5.41
- 2024 Reading6.28
- All-Time High (2020)15.09
- All-Time Low (2005)2.25
- Reporting Unit% of Disposable Income
- Series CodePSAVERT
U.S. Bureau of Economic Analysis (BEA) · 1959-2025
U.S. Personal Saving Rate by Year (1959-2025)
2025 Reading: 5.41 % of Disposable Income
Loading historical series...
DECADE BENCHMARKS (1950s-2020s)
Personal Saving Rate by Decade
| Decade | Mean | Min | Max |
|---|---|---|---|
| 1950s | 10.33 | 10.33 | 10.33 |
| 1960s | 11.20 | 10.07 | 12.33 |
| 1970s | 12.21 | 10.30 | 13.47 |
| 1980s | 9.81 | 7.54 | 11.97 |
| 1990s | 7.16 | 4.61 | 9.38 |
| 2000s | 4.18 | 2.25 | 5.73 |
| 2010s | 6.15 | 4.97 | 7.86 |
| 2020s | 7.96 | 3.49 | 15.09 |
Personal Saving Rate Year-by-Year Historical Table (1959-2025)
Source: U.S. Bureau of Economic Analysis (BEA) (PSAVERT)| Year | Personal Saving Rate (% of Disposable Income) | Annual Change |
|---|---|---|
| 2025 | 5.41 | -0.88 |
| 2024 | 6.28 | +0.18 |
| 2023 | 6.10 | +2.61 |
| 2022 | 3.49 | -7.90 |
| 2021 | 11.39 | -3.70 |
| 2020 | 15.09 | +7.78 |
| 2019 | 7.31 | +0.88 |
| 2018 | 6.43 | +0.68 |
| 2017 | 5.76 | +0.40 |
| 2016 | 5.36 | -0.49 |
| 2015 | 5.85 | +0.38 |
| 2014 | 5.47 | +0.50 |
| 2013 | 4.97 | -2.89 |
| 2012 | 7.86 | +1.31 |
| 2011 | 6.55 | +0.62 |
| 2010 | 5.93 | +0.19 |
| 2009 | 5.73 | +1.60 |
| 2008 | 4.13 | +1.61 |
| 2007 | 2.52 | -0.25 |
| 2006 | 2.77 | +0.52 |
| 2005 | 2.25 | -2.40 |
| 2004 | 4.65 | -0.54 |
| 2003 | 5.19 | -0.38 |
| 2002 | 5.58 | +0.90 |
| 2001 | 4.67 | +0.38 |
| 2000 | 4.29 | -0.32 |
| 1999 | 4.61 | -1.87 |
| 1998 | 6.48 | +0.43 |
| 1997 | 6.04 | -0.30 |
| 1996 | 6.34 | -0.51 |
| 1995 | 6.85 | +0.05 |
| 1994 | 6.80 | -1.03 |
| 1993 | 7.83 | -1.55 |
| 1992 | 9.38 | +0.47 |
| 1991 | 8.92 | +0.56 |
| 1990 | 8.36 | +0.08 |
| 1989 | 8.28 | -0.12 |
| 1988 | 8.40 | +0.86 |
| 1987 | 7.54 | -1.23 |
| 1986 | 8.77 | -0.33 |
| 1985 | 9.11 | -2.10 |
| 1984 | 11.21 | +1.13 |
| 1983 | 10.08 | -1.88 |
| 1982 | 11.97 | +0.31 |
| 1981 | 11.66 | +0.55 |
| 1980 | 11.11 | +0.81 |
| 1979 | 10.30 | -0.43 |
| 1978 | 10.72 | +0.07 |
| 1977 | 10.66 | -0.97 |
| 1976 | 11.62 | -1.78 |
| 1975 | 13.41 | +0.11 |
| 1974 | 13.30 | -0.15 |
| 1973 | 13.45 | +1.10 |
| 1972 | 12.35 | -1.12 |
| 1971 | 13.47 | +0.68 |
| 1970 | 12.80 | +1.90 |
| 1969 | 10.90 | -0.43 |
| 1968 | 11.33 | -0.99 |
| 1967 | 12.33 | +1.17 |
| 1966 | 11.16 | -0.28 |
| 1965 | 11.44 | -0.15 |
| 1964 | 11.59 | +0.86 |
| 1963 | 10.73 | -0.47 |
| 1962 | 11.20 | -0.08 |
| 1961 | 11.28 | +1.22 |
| 1960 | 10.07 | -0.27 |
| 1959 | 10.33 | - |
Related Income & Wages Series
- U.S. Median Household Income by Year (Nominal vs. Real 1984-2025)87,460
- U.S. Personal Income Per Capita by Year (1929-2025)76,994
- U.S. Average Hourly Earnings by Year (Nominal vs. Real 1964-2025)31.34
- U.S. Federal Minimum Wage History (Nominal vs. Real 1938-2025)7.25
- U.S. Official Poverty Rate by Year (1989-2024)12.1