Personal Savings Statistics 2026
This page collects 54 figures on personal savings: the US personal saving rate, emergency savings and how many people could cover a surprise bill, saving habits and debt, average savings account and CD rates, retirement saving, and household saving in the UK, the euro area, Canada and Australia. It uses data from 2024 to November 2026, mostly from national statistics offices and central banks (BEA, the Federal Reserve, the FDIC, the ONS, the Bank of England, Eurostat, Statistics Canada and the ABS), with survey data from Bankrate, Northwestern Mutual, the FCA, Fidelity and Vanguard.
By the Comredix review desk · Updated November 13, 2026 · 54 numbers drawn from 20 publishers and reports
58 of 58 quotes matched to the publisher's page by our checker on November 13, 2026
Short answer
Americans saved 3.8% of their disposable income in September 2026, according to the Bureau of Economic Analysis, while the Federal Reserve finds 63% of US adults would cover a $400 emergency with cash and 55% have three months of expenses set aside. The average US savings account paid just 0.38% in October 2026 per the FDIC, and the UK household saving ratio was 8.8% in mid-2026 according to the ONS.
Headline numbers
- 3.8%The US personal saving rate was 3.8% of disposable personal income in September 2026, according to the Bureau of Economic Analysis.U.S. Bureau of Economic Analysis
- 63%63% of US adults said in late 2025 that they would cover a $400 emergency expense entirely with cash, savings or a credit card paid off in full.Federal Reserve Board
- 55%55% of US adults had a rainy day fund covering three months of expenses in 2025, unchanged from 2024 and below the 2021 high of 59%.Federal Reserve Board
- 24%24% of US adults had no emergency savings at all in Bankrate's December 2025 survey.Bankrate
- 0.38%The national average savings account rate was 0.38% in October 2026, according to the FDIC.Federal Deposit Insurance Corporation
- 14.4%The total average 401(k) savings rate held at a record 14.4% in the second quarter of 2026, with 403(b) savers at 12%, according to Fidelity.Fidelity Investments
- 8.8%The UK household saving ratio was 8.8% in the second quarter of 2026, up from 8.6% in the first quarter, according to the ONS.Office for National Statistics
- 14.2%The euro area household saving rate was 14.2% in the second quarter of 2026, down from 14.4% in the first quarter, according to Eurostat.Eurostat
Reading the numbers
The national numbers and the household surveys tell the same story from two sides. BEA puts the US personal saving rate at 3.8% in September 2026 and 3.6% in December 2025, which means households in aggregate are spending almost all of their after-tax income. In the Federal Reserve's 2025 survey, 63% of adults would pay a $400 surprise bill with cash or its equivalent, a share that has not moved for four years, and 12% could not pay it at all.
Savings cushions are thin and uneven. The Fed finds 55% of adults have three months of expenses set aside, but only 21% of those with family income under $25,000 do, against 75% of those earning $100,000 or more. Bankrate's December 2025 survey reaches similar totals with different questions: 47% could cover a $1,000 expense, 46% have three months saved and 24% have no emergency savings at all.
Low deposit rates make it harder to grow those balances. The FDIC's national average savings rate was 0.38% in October 2026 and 0.40% a year earlier, while BEA's PCE price index rose 3.6% over the year to September 2026, so money in a typical savings account lost value after inflation. Twelve-month CDs averaged 1.76%, and I bonds issued from November 2026 pay 5.51%. Retirement accounts are the exception: Fidelity reports a record 14.4% total 401(k) savings rate and Vanguard reports 45% of participants raised their contributions in 2025.
Outside the US, measured saving is higher. The ONS puts the UK household saving ratio at 8.8% in Q2 2026, about half of it pension saving, and Eurostat puts the euro area rate at 14.2%, though Eurostat's gross measure is not directly comparable with the net US rate. Canada at 3.7% and Australia at 6.5% sit closer to the US. At the household level the FCA found one in ten UK adults with no cash savings in 2024.
The US personal saving rate
- 1.
The US personal saving rate was 3.8% of disposable personal income in September 2026, according to the Bureau of Economic Analysis.
U.S. Bureau of Economic Analysis, Personal Income and Outlays, September 2026 (Oct 2026)
Exact wording at the source
Personal saving was $911.1 billion, and the personal saving rate —personal saving as a percentage of DPI—was 3.8 percent.
- 2.
US personal saving totaled $911.1 billion at a seasonally adjusted annual rate in September 2026.
U.S. Bureau of Economic Analysis, Personal Income and Outlays, September 2026 (Oct 2026)
Exact wording at the source
Personal saving was $911.1 billion, and the personal saving rate —personal saving as a percentage of DPI—was 3.8 percent.
- 3.
BEA's first estimate for August 2026 put the US personal saving rate at 4.1%, with personal saving of $990.2 billion.
U.S. Bureau of Economic Analysis, Personal Income and Outlays, August 2026 (Sep 2026)
Exact wording at the source
Personal saving was $990.2 billion, and the personal saving rate —personal saving as a percentage of DPI—was 4.1 percent.
- 4.
The US personal saving rate was 3.6% in December 2025, with $830.8 billion in personal saving.
U.S. Bureau of Economic Analysis, Personal Income and Outlays, December 2025 (Feb 2026)
Exact wording at the source
Personal saving was $830.8 billion in December, and the personal saving rate —personal saving as a percentage of disposable personal income—was 3.6 percent.
- 5.
US consumer prices measured by the PCE price index rose 3.6% in the year to September 2026, far above the 0.38% the average savings account pays.
U.S. Bureau of Economic Analysis, Personal Income and Outlays, September 2026 (Oct 2026)
Exact wording at the source
From the same month one year ago, the PCE price index for September increased 3.6 percent
Emergency savings in the US
- 6.
63% of US adults said in late 2025 that they would cover a $400 emergency expense entirely with cash, savings or a credit card paid off in full.
Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Savings and Investments (May 2026)
Exact wording at the source
When faced with a hypothetical expense of $400, 63 percent of all adults said they would have covered it exclusively using cash, savings, or a credit card paid off at the next statement
- 7.
The other 37% of US adults would not cover a $400 expense fully with cash or its equivalent, and most of them would borrow or sell something instead.
Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Savings and Investments (May 2026)
Exact wording at the source
Among the 37 percent of adults who would not have covered a $400 expense completely with cash or its equivalent, most would pay some other way
- 8.
12% of US adults said they could not pay an unexpected $400 expense by any means in 2025, down slightly from 13% in 2024.
Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Savings and Investments (May 2026)
Exact wording at the source
However, 12 percent of all adults said they would be unable to pay the expense by any means
- 9.
18% of US adults said the largest emergency expense they could cover from savings alone was under $100 in 2025.
Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Savings and Investments (May 2026)
Exact wording at the source
Largest emergency expense individuals could handle right now using only savings Amount Percent Less than $100 18
- 10.
55% of US adults had a rainy day fund covering three months of expenses in 2025, unchanged from 2024 and below the 2021 high of 59%.
Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Savings and Investments (May 2026)
Exact wording at the source
In 2025, 55 percent of adults said they had set aside money for three months of expenses in an emergency savings or "rainy day" fund—unchanged from 2024 but down from a high of 59 percent in 2021.
- 11.
Only 21% of US adults with family income under $25,000 had three months of expenses saved in 2025, compared with 39% of those earning $25,000 to $49,999.
Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Savings and Investments (May 2026)
Exact wording at the source
Family income Less than $25,000 21 $25,000–$49,999 39
- 12.
4 in 10 US adults with income under $50,000 said in 2025 that they could not cover even a $100 emergency expense from savings alone.
Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Executive Summary (May 2026)
Exact wording at the source
Yet, 4 in 10 adults with this level of income said they could not cover even a $100 emergency expense with only their savings.
- 13.
47% of US adults said in December 2025 that they could cover a $1,000 emergency expense with savings or other available funds.
Bankrate, Bankrate's 2026 Emergency Savings Report (Jan 2026)
Exact wording at the source
Yet just 47% of Americans indicate they have sufficient liquidity or access to funds to cover a $1,000 emergency expense, a Bankrate survey found.
- 14.
46% of US adults had enough emergency savings to cover three months of expenses, according to Bankrate's December 2025 survey.
Bankrate, Bankrate's 2026 Emergency Savings Report (Jan 2026)
Exact wording at the source
Only 46% of Americans have enough emergency savings to cover three months of expenses.
- 15.
24% of US adults had no emergency savings at all in Bankrate's December 2025 survey.
Bankrate, Bankrate's 2026 Emergency Savings Report (Jan 2026)
Exact wording at the source
Nearly 1 in 4 (24%) of Americans have no emergency savings at all.
Chart
US adults with three months of emergency savings, by family income
Share of US adults with a rainy day fund covering three months of expenses, by family income, 2025.
- Under $25,00021%
- $25,000 to $49,99939%
- $50,000 to $99,99955%
- $100,000 or more75%
Source: Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Savings and Investments
Saving habits, debt and accounts
- 16.
94% of US adults had a bank account in 2025, according to the Federal Reserve.
Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Executive Summary (May 2026)
Exact wording at the source
While 94 percent of adults had a bank account, differences by income remained large.
- 17.
59% of US adults held a savings account, money market account or certificate of deposit in 2025, rising to 76% of adults aged 65 and older.
Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Savings and Investments (May 2026)
Exact wording at the source
Savings or money market account, or certificate of deposit (CD) 45 52 67 76 59
- 18.
29% of US adults had more credit card debt than emergency savings in December 2025, while 44% had more savings than card debt.
Bankrate, Bankrate's 2026 Emergency Savings Report (Jan 2026)
Exact wording at the source
The national opinion survey found that 29% of Americans have more credit card debt than emergency savings, compared with 44% who have more savings than credit card debt.
- 19.
Only 21% of US adults had more emergency savings than a year earlier, and 17% had none a year ago and still had none, per Bankrate's December 2025 survey.
Bankrate, Bankrate's 2026 Emergency Savings Report (Jan 2026)
Exact wording at the source
21% have more, while 17% had none then and continue to have none now.
- 20.
38% of US adults with debt said they prioritize saving over paying down debt in January 2026, up from 36% in 2025.
Northwestern Mutual, 2026 Planning & Progress Study: Americans' finances are improving but some still feel behind (Mar 2026)
Exact wording at the source
According to the study, six in 10 (62%) U.S. adults with debt prioritize paying down debt, compared to 38% who prioritize saving.
- 21.
50% of US adults said they feel financially secure in January 2026, up from 44% a year earlier.
Northwestern Mutual, 2026 Planning & Progress Study: Americans' finances are improving but some still feel behind (Mar 2026)
Exact wording at the source
Firmer footing: Half (50%) of Americans now feel financially secure, up from 44% last year
Savings account, CD and savings bond rates
- 22.
The national average savings account rate was 0.38% in October 2026, according to the FDIC.
Federal Deposit Insurance Corporation, National Rates and Rate Caps, October 2026 (Oct 2026)
Exact wording at the source
Savings 0.38 1.13 3.88 4.63 4.63
- 23.
The national average savings account rate was 0.40% in October 2025, so the average barely moved over the following year.
Federal Deposit Insurance Corporation, National Rates and Rate Caps, October 2025 (Oct 2025)
Exact wording at the source
Savings 0.40 1.15 4.09 4.84 4.84
- 24.
The national average money market account rate was 0.63% in October 2026.
Federal Deposit Insurance Corporation, National Rates and Rate Caps, October 2026 (Oct 2026)
Exact wording at the source
Money Market 0.63 1.38 3.88 4.63 4.63
- 25.
The national average 12-month CD rate was 1.76% in October 2026, the highest of the CD terms the FDIC tracks.
Federal Deposit Insurance Corporation, National Rates and Rate Caps, October 2026 (Oct 2026)
Exact wording at the source
12 month CD 1.76 2.51 4.54 6.20 6.20
- 26.
The national average 60-month CD rate was 1.41% in October 2026, lower than the 12-month average.
Federal Deposit Insurance Corporation, National Rates and Rate Caps, October 2026 (Oct 2026)
Exact wording at the source
60 month CD 1.41 2.16 5.09 6.86 6.86
- 27.
Series I savings bonds issued from November 2026 to April 2027 earn a composite rate of 5.51%.
U.S. Department of the Treasury, TreasuryDirect, I bonds interest rates (Nov 2026)
Exact wording at the source
The composite rate for I bonds issued from November 2026 to April 2027 is 5.51%
- 28.
The fixed rate on I bonds issued from November 2026 to April 2027 is 1.40%, which holds for the life of the bond.
U.S. Department of the Treasury, TreasuryDirect, I bonds interest rates (Nov 2026)
Exact wording at the source
This includes a fixed rate of 1.40% For I bonds issued November 1, 2026 to April 30, 2027.
Chart
US national average deposit rates by account type
FDIC national rates, deposit-weighted averages across insured banks and credit unions, as of October 19, 2026.
- Interest checking0.07%
- Savings0.38%
- Money market0.63%
- 3-month CD1.14%
- 6-month CD1.39%
- 12-month CD1.76%
Source: Federal Deposit Insurance Corporation, National Rates and Rate Caps, October 2026
Retirement saving
- 29.
The total average 401(k) savings rate held at a record 14.4% in the second quarter of 2026, with 403(b) savers at 12%, according to Fidelity.
Fidelity Investments, Q2 2026 Retirement Analysis (Sep 2026)
Exact wording at the source
Total average savings rates held at record levels for the second consecutive quarter, remaining at 14.4% for 401(k) savers and 12% for 403(b) participants.
- 30.
Fidelity 401(k) savers contributed a record average 9.6% of pay themselves in Q2 2026.
Fidelity Investments, Q2 2026 Retirement Analysis (Sep 2026)
Exact wording at the source
The 401(k) rate was driven by a record-high employee contribution rate of 9.6%, combined with an average employer contribution of 4.8%, bringing many workers closer to Fidelity's recommended 15% annual savings benchmark.
- 31.
Employers added an average 4.8% of pay to Fidelity 401(k) accounts in Q2 2026.
Fidelity Investments, Q2 2026 Retirement Analysis (Sep 2026)
Exact wording at the source
The 401(k) rate was driven by a record-high employee contribution rate of 9.6%, combined with an average employer contribution of 4.8%, bringing many workers closer to Fidelity's recommended 15% annual savings benchmark.
- 32.
The average Fidelity 401(k) balance reached $155,800 in Q2 2026, up 13% from a year earlier.
Fidelity Investments, Q2 2026 Retirement Analysis (Sep 2026)
Exact wording at the source
$155,800 Up 10% from Q1 2026 Up 13% from Q2 2025
- 33.
81.2% of Fidelity 401(k) participants saved enough to receive their employer's full match in Q2 2026.
Fidelity Investments, Q2 2026 Retirement Analysis (Sep 2026)
Exact wording at the source
As of Q2 2026, 12.1% of 401(k) participants increased their contribution rate, while more than 8 in 10 (81.2%) saved enough to receive their employer's full matching contribution.
- 34.
The average Vanguard defined contribution account balance was $167,970 at the end of 2025, up 13% from a year earlier.
Vanguard, Previewing How America Saves 2026 (Jun 2026)
Exact wording at the source
The average account balance of $167,970 was a 13% increase from year-end 2024.
- 35.
The median Vanguard plan balance was $44,115 at the end of 2025, up 16% over the year.
Vanguard, Previewing How America Saves 2026 (Jun 2026)
Exact wording at the source
The median balance of $44,115 was a 16% increase over the same period.
- 36.
45% of Vanguard plan participants increased their deferral rate in 2025, voluntarily or through automatic escalation.
Vanguard, Previewing How America Saves 2026 (Jun 2026)
Exact wording at the source
45% of participants increased their deferral rate—either voluntarily or through an automatic increase feature
- 37.
35% of US non-retirees thought their retirement savings plan was on track in 2025, unchanged from 2024.
Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2025: Savings and Investments (May 2026)
Exact wording at the source
a lower 35 percent of non-retirees thought their retirement saving was on track
Household saving in the UK
- 38.
The UK household saving ratio was 8.8% in the second quarter of 2026, up from 8.6% in the first quarter, according to the ONS.
Office for National Statistics, GDP quarterly national accounts, UK: April to June 2026 (Sep 2026)
Exact wording at the source
The households' saving ratio is estimated to have risen to 8.8% in Quarter 2 2026, up from 8.6% in Quarter 1 (Jan to Mar) 2026.
- 39.
Non-pension saving made up 4.5 percentage points of the UK saving ratio in Q2 2026, up from 3.8 points in Q1.
Office for National Statistics, GDP quarterly national accounts, UK: April to June 2026 (Sep 2026)
Exact wording at the source
This was driven by non-pension saving, which increased to 4.5%, up from 3.8% (Figure 12).
- 40.
Pension saving contributed 4.3 percentage points to the UK household saving ratio in Q2 2026, down from 4.8 points.
Office for National Statistics, GDP quarterly national accounts, UK: April to June 2026 (Sep 2026)
Exact wording at the source
Pension saving contributed 4.3 percentage points to the saving ratio, down from 4.8 percentage points in the previous quarter.
- 41.
The UK household saving ratio was 9.6% in the fourth quarter of 2025, as published in the ONS first-quarter 2026 accounts.
Office for National Statistics, GDP quarterly national accounts, UK: January to March 2026 (Jun 2026)
Exact wording at the source
The households' saving ratio is estimated to have fallen to 8.9% in the latest quarter, down from 9.6% in Quarter 4 (Oct to Dec) 2025.
- 42.
UK real household disposable income per head rose 1.0% in Q2 2026 after falling 0.8% in Q1.
Office for National Statistics, GDP quarterly national accounts, UK: April to June 2026 (Sep 2026)
Exact wording at the source
Real household disposable income per head increased by 1.0% in Quarter 2 2026, following a decrease of 0.8% in Quarter 1 2026.
- 43.
UK households added a net £4.7 billion to bank and building society deposits in September 2026.
Bank of England, Money and Credit, September 2026 (Oct 2026)
Exact wording at the source
Households’ deposits with banks and building societies increased by £4.7 billion in September, following net deposits of £4.9 billion in August.
- 44.
UK households put £5.0 billion into ISAs in September 2026.
Bank of England, Money and Credit, September 2026 (Oct 2026)
Exact wording at the source
This was driven by households depositing an additional £5.0 billion into ISAs and £0.7 billion into interest-bearing sight deposit accounts.
- 45.
UK households withdrew £2.9 billion from non-interest-bearing accounts in September 2026.
Bank of England, Money and Credit, September 2026 (Oct 2026)
Exact wording at the source
These inflows were partially offset by withdrawals of £2.9 billion from non-interest bearing accounts and £0.2 billion from interest-bearing time accounts
- 46.
21% of UK adults had less than £1,000 in cash savings to draw on in an emergency in 2024, and a further one in ten had none at all.
Financial Conduct Authority, More people have bank accounts but one in ten have no cash savings, FCA survey reveals (May 2025)
Exact wording at the source
The Financial Conduct Authority (FCA) has found that one in ten people have no cash savings at all, and another 21% have less than £1,000 to draw on in an emergency.
- 47.
One in four UK adults had low financial resilience in 2024, meaning missed payments, struggles with bills or no savings to fall back on.
Financial Conduct Authority, More people have bank accounts but one in ten have no cash savings, FCA survey reveals (May 2025)
Exact wording at the source
The regulator’s research also shows that one in four people in the UK have low financial resilience, meaning that they have missed payments, are struggling to keep up with commitments, or don’t have savings to help them through difficulties.
Household saving in Europe, Canada and Australia
- 48.
The euro area household saving rate was 14.2% in the second quarter of 2026, down from 14.4% in the first quarter, according to Eurostat.
Eurostat, Household saving rate decreases to 14.2% in the euro area (Oct 2026)
Exact wording at the source
The household saving rate in the euro area decreased to 14.2% in the second quarter of 2026 (compared with 14.4% in the first quarter of 2026), which is explained by consumption increasing at a faster rate than gross disposable income (respectively +1.3% and +1.1%).
- 49.
Euro area household consumption grew 1.3% in Q2 2026, faster than gross disposable income at 1.1%, which pulled the saving rate down.
Eurostat, Household saving rate decreases to 14.2% in the euro area (Oct 2026)
Exact wording at the source
The household saving rate in the euro area decreased to 14.2% in the second quarter of 2026 (compared with 14.4% in the first quarter of 2026), which is explained by consumption increasing at a faster rate than gross disposable income (respectively +1.3% and +1.1%).
- 50.
Poland and Czechia recorded the largest rise in household saving rates among EU member states in Q2 2026, up 0.6 percentage points each.
Eurostat, Household real income per capita slightly increases in both the euro area and the EU (Oct 2026)
Exact wording at the source
The largest increase was in Poland and Czechia (+0.6 pp in both).
- 51.
Canada's household saving rate was 3.7% in the second quarter of 2026, according to Statistics Canada.
Statistics Canada, Gross domestic product, income and expenditure, second quarter 2026 (Aug 2026)
Exact wording at the source
The household saving rate reached 3.7% in the second quarter of 2026 as growth in disposable income (+2.1%) outpaced nominal household spending (+1.7%).
- 52.
Canadian household disposable income grew 2.1% in Q2 2026, ahead of a 1.7% rise in nominal household spending.
Statistics Canada, Gross domestic product, income and expenditure, second quarter 2026 (Aug 2026)
Exact wording at the source
The household saving rate reached 3.7% in the second quarter of 2026 as growth in disposable income (+2.1%) outpaced nominal household spending (+1.7%).
- 53.
Australia's household saving to income ratio rose to 6.5% in the June quarter of 2026, from 6.4%, according to the ABS.
Australian Bureau of Statistics, Australian National Accounts: National Income, Expenditure and Product, June 2026 (Sep 2026)
Exact wording at the source
Household saving to income ratio rose to 6.5% from 6.4%.
- 54.
Australia's household saving ratio peaked at 7.2% in the December quarter of 2025 within the year to June 2026.
Australian Bureau of Statistics, Australian National Accounts: National Income, Expenditure and Product, June 2026 (Sep 2026)
Exact wording at the source
Household saving ratio 5.9 6.1 7.2 6.4 6.5
Chart
Australia's household saving ratio by quarter
Household saving as a share of household disposable income, current prices, seasonally adjusted, June quarter 2025 to June quarter 2026.
Source: Australian Bureau of Statistics, Australian National Accounts: National Income, Expenditure and Product, June 2026
Questions readers ask
- What is the current US personal saving rate?
- The Bureau of Economic Analysis put the US personal saving rate at 3.8% of disposable personal income in September 2026, with $911.1 billion in personal saving at an annual rate. The rate was 3.6% in December 2025.
- How many Americans have emergency savings?
- The Federal Reserve's 2025 survey found 55% of US adults have a rainy day fund covering three months of expenses and 63% would pay a $400 emergency with cash or its equivalent. Bankrate's December 2025 survey found 24% of adults have no emergency savings at all.
- What is the average savings account interest rate?
- The FDIC's national average savings account rate was 0.38% in October 2026, compared with 0.40% in October 2025. Money market accounts averaged 0.63% and 12-month CDs 1.76%, while online banks often pay much more than these deposit-weighted averages.
- What is the UK household saving ratio?
- The ONS estimates the UK household saving ratio at 8.8% in the second quarter of 2026, up from 8.6% in the first quarter. Pension saving made up 4.3 percentage points of that and non-pension saving 4.5 points.
- Why is the US saving rate lower than Europe's?
- Part of the gap is definitional: Eurostat's 14.2% euro area rate for Q2 2026 is a gross measure, while BEA's 3.8% US rate is net of depreciation. Differences in pensions, health costs and social insurance also affect how much households save directly.
Where these numbers come from
We used primary publishers only: statistical agencies (BEA, ONS, Eurostat, Statistics Canada, ABS), central banks and regulators (Federal Reserve Board, FDIC, Bank of England, FCA, TreasuryDirect), the firms that ran their own surveys (Bankrate, Northwestern Mutual) and plan providers reporting on their own record-keeping data (Fidelity, Vanguard). Every quote was refetched from the source page. Saving rates use different definitions: the US, Canada and Australia report net saving, Eurostat reports a gross rate, and the ONS ratio includes pension saving. Monthly and quarterly estimates are revised, so recent figures may change. Survey results depend on question wording and sample, which is why the Fed and Bankrate emergency savings shares differ. Fidelity and Vanguard figures cover participants in the plans they administer, not all workers. We store the sentence each number appears in, and a script loads the publisher's page again to make sure that sentence is still there. Our methodology has the details.
Sources
- Australian Bureau of Statistics. Australian National Accounts: National Income, Expenditure and Product, June 2026 (Sep 2026).
- Bank of England. Money and Credit, September 2026 (Oct 2026).
- Bankrate. Bankrate's 2026 Emergency Savings Report (Jan 2026).
- Eurostat. Household saving rate decreases to 14.2% in the euro area (Oct 2026).
- Eurostat. Household real income per capita slightly increases in both the euro area and the EU (Oct 2026).
- Federal Deposit Insurance Corporation. National Rates and Rate Caps, October 2026 (Oct 2026).
- Federal Deposit Insurance Corporation. National Rates and Rate Caps, October 2025 (Oct 2025).
- Federal Reserve Board. Report on the Economic Well-Being of U.S. Households in 2025: Savings and Investments (May 2026).
- Federal Reserve Board. Report on the Economic Well-Being of U.S. Households in 2025: Executive Summary (May 2026).
- Fidelity Investments. Q2 2026 Retirement Analysis (Sep 2026).
- Financial Conduct Authority. More people have bank accounts but one in ten have no cash savings, FCA survey reveals (May 2025).
- Northwestern Mutual. 2026 Planning & Progress Study: Americans' finances are improving but some still feel behind (Mar 2026).
- Office for National Statistics. GDP quarterly national accounts, UK: April to June 2026 (Sep 2026).
- Office for National Statistics. GDP quarterly national accounts, UK: January to March 2026 (Jun 2026).
- Statistics Canada. Gross domestic product, income and expenditure, second quarter 2026 (Aug 2026).
- U.S. Bureau of Economic Analysis. Personal Income and Outlays, September 2026 (Oct 2026).
- U.S. Bureau of Economic Analysis. Personal Income and Outlays, August 2026 (Sep 2026).
- U.S. Bureau of Economic Analysis. Personal Income and Outlays, December 2025 (Feb 2026).
- U.S. Department of the Treasury, TreasuryDirect. I bonds interest rates (Nov 2026).
- Vanguard. Previewing How America Saves 2026 (Jun 2026).
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