Monthly
This dataset tracks monthly over time.
Latest Value
7.48
Year-over-Year Change
-13.70%
Date Range
1/1/1990 - 6/1/2025
Summary
The Personal Saving Rate measures the percentage of disposable personal income that U.S. consumers save. It is an important indicator of consumer spending and economic growth.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The Personal Saving Rate represents the ratio of personal saving to disposable personal income. It reflects how much of their disposable income Americans are choosing to save rather than spend, providing insight into consumer behavior and economic conditions.
Methodology
The data is collected and calculated monthly by the U.S. Bureau of Economic Analysis.
Historical Context
The Personal Saving Rate is closely watched by policymakers, economists, and investors as a gauge of household financial health and a predictor of future consumer spending.
Key Facts
- The U.S. Personal Saving Rate averaged 6.4% in 2022.
- Saving rates tend to rise during economic downturns as consumers become more cautious.
- High saving rates can signal slower growth, as consumer spending drives a large portion of the U.S. economy.
FAQs
Q: What does this economic trend measure?
A: The Personal Saving Rate measures the percentage of disposable personal income that U.S. consumers save rather than spend.
Q: Why is this trend relevant for users or analysts?
A: The Personal Saving Rate provides insight into consumer behavior and financial health, and is a key indicator of future economic growth and consumer spending.
Q: How is this data collected or calculated?
A: The data is collected and calculated monthly by the U.S. Bureau of Economic Analysis.
Q: How is this trend used in economic policy?
A: The Personal Saving Rate is closely watched by policymakers, economists, and investors as a gauge of household financial health and a predictor of future consumer spending.
Q: Are there update delays or limitations?
A: The Personal Saving Rate data is released monthly by the Bureau of Economic Analysis with a typical 1-month delay.
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Citation
U.S. Federal Reserve, Personal Saving Rate (PSALMUSDM), retrieved from FRED.