Personal Savings Rate
US Personal Savings Rate — Historical Chart
2.7%
▼ 41.30% YoYJun 2026
All-Time High
31.8%
All-Time Low
1.4%
Data Since
1959
Source: FRED / BEAShaded = NBER recessions
Personal savings as a percentage of disposable income. Cratered from 10%+ in the 1970s to ~2% by 2005 (fueling the housing bubble), exploded to 33% in April 2020 (COVID), and has since returned toward post-pandemic lows. A low savings rate signals consumer vulnerability.