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Personal Saving Rate

Personal saving as a percentage of disposable income, buffer for future spending.

The Personal Saving Rate is currently 4.00%, last updated .

4.00%
1W -11.11%1M -11.11%3M -11.11%
Updated 11m ago
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Economic activity indicators reveal whether the economy is expanding or contracting in real time. ISM PMI readings above 50 signal expansion, while GDP growth tells the definitive story each quarter. Leading indicators like the Conference Board LEI can flag downturns months in advance, giving traders a head start on positioning.

Updated just now

AI Analysis

Apr 15, 2026

Energy at these levels is a direct tax on consumers (saving rate 4.0%, real disposable income already under pressure) and a cost-push inflation engine for producers.

Recent Data

DateValueChange
Feb 1, 20264.00%-11.11%
Jan 1, 20264.50%+15.38%
Dec 1, 20253.90%-2.50%
Nov 1, 20254.00%+0.00%
Oct 1, 20254.00%-6.98%
Sep 1, 20254.30%-2.27%
Aug 1, 20254.40%-2.22%
Jul 1, 20254.50%-2.17%
Jun 1, 20254.60%-6.12%
May 1, 20254.90%—

Related in Economic Activity

Nominal GDP
US gross domestic product in current dollars.
Real GDP
Inflation-adjusted GDP, the definitive measure of economic output.
Industrial Production
Industrial production index, measures factory, mining, and utility output.
Capacity Utilization
Industrial capacity utilization rate, high readings signal inflationary bottlenecks.

Explore Further

Forecast 2026
Personal Saving Rate Outlook
Scenario-weighted forecast using regime implied approach.
Comparison
Personal Savings Rate vs Revolving Credit
A falling savings rate combined with rising revolving credit signals that consumers are drawing down savings and borrowi...
Comparison
Total Consumer Debt vs Savings Rate
Rising total consumer debt with a falling savings rate is the clearest signal that the consumer is stretched. Eventually...
Comparison
Personal Savings Rate vs Real Disposable Income
Rising income with falling savings rate signals consumer confidence and willingness to spend. Rising income with rising ...
Comparison
Personal Savings Rate vs Consumer Discretionary (XLY)
Savings rate and XLY can move in opposite directions when consumer savings fund discretionary spending. Low savings rate...
Scenario
What Happens When the Savings Rate Hits Zero?
What happens when Americans stop saving? The consumer spending cliff, credit card debt explosion, and what it means when...
Scenario
What Happens When Real Personal Income Declines?
What happens when real disposable personal income declines? Consumer spending implications, savings rate changes, and re...
Category
All Economic Activity Data
GDP, ISM PMI, retail sales, industrial production, and leading indicators. Gauge the real economy with the broadest set ...

Frequently Asked Questions

▶What is Personal Saving Rate?
Personal saving as a percentage of disposable income, buffer for future spending.
▶How does Personal Saving Rate relate to economic activity?
Personal Saving Rate is part of the Economic Activity category. Economic activity indicators reveal whether the economy is expanding or contracting in real time. ISM PMI readings above 50 signal expansion, while GDP growth tells the definitive story each quarter. Leading indicators like the Conference Board LEI can flag downturns months in advance, giving traders a head start on positioning.
▶How often is Personal Saving Rate updated?
Personal Saving Rate is updated once per month when the releasing agency publishes new data. Each metric page on Convex shows the exact time of the last data update and provides historical data going back up to five years.
▶Where does Convex source Personal Saving Rate data?
Convex sources Personal Saving Rate data from the Federal Reserve Economic Data (FRED) API, maintained by the Federal Reserve Bank of St. Louis. Data is fetched automatically and displayed alongside interactive charts, AI analysis, and historical context.
▶What can I do on the Personal Saving Rate chart page?
The Personal Saving Rate page includes an interactive chart with selectable time ranges (1 month to 5 years), percentage changes over multiple timeframes, a table of recent readings, AI-generated analysis, and links to related metrics and comparisons.

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Data sourced from FRED, CoinGecko, CBOE, CFTC, and EIA. Updated monthly. This page is for informational purposes only and does not constitute financial advice.