Quarterly
This dataset tracks quarterly over time.
Latest Value
7.65
Year-over-Year Change
-25.56%
Date Range
1/1/1990 - 4/1/2025
Summary
The Quarterly Personal Saving Rate measures the percentage of disposable personal income that U.S. consumers save. It is a key indicator of household financial health and consumer spending patterns.
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 Quarterly Personal Saving Rate tracks the proportion of disposable income that American households set aside rather than spend. Economists monitor this metric to understand consumer behavior and project future economic activity.
Methodology
The data is calculated by the U.S. Bureau of Economic Analysis based on national income and product accounts.
Historical Context
The saving rate is closely watched by policymakers and financial markets as it signals consumer confidence and the potential for future consumption.
Key Facts
- The U.S. personal saving rate averaged 6.9% in 2022.
- Saving rates typically rise during economic downturns as consumers become more cautious.
- Higher saving can constrain near-term economic growth but increase long-term financial resilience.
FAQs
Q: What does this economic trend measure?
A: The Quarterly 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 saving rate is a key indicator of household financial health and consumer spending patterns, which are closely watched by policymakers and financial markets.
Q: How is this data collected or calculated?
A: The data is calculated by the U.S. Bureau of Economic Analysis based on national income and product accounts.
Q: How is this trend used in economic policy?
A: The saving rate signals consumer confidence and the potential for future consumption, which informs economic policy decisions.
Q: Are there update delays or limitations?
A: The Quarterly Personal Saving Rate data is released on a regular schedule by the U.S. Bureau of Economic Analysis.
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Citation
U.S. Federal Reserve, Quarterly Personal Saving Rate (PSALMUSDQ), retrieved from FRED.