Monthly, Not Seasonally Adjusted
SAVINGNS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
10,661.10
Year-over-Year Change
14.63%
Date Range
1/1/1959 - 4/1/2020
Summary
This economic indicator tracks the total personal savings in the United States on a monthly basis without seasonal adjustments. Understanding personal savings rates provides critical insights into consumer financial behavior and economic resilience.
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 monthly, not seasonally adjusted savings data represents the amount of income retained by households after accounting for expenses and consumption. Economists analyze this trend to gauge consumer confidence, financial health, and potential economic shifts.
Methodology
Data is collected through comprehensive surveys and financial reporting mechanisms by the U.S. Bureau of Economic Analysis, tracking personal income and expenditure patterns.
Historical Context
Policymakers and financial analysts use this data to inform monetary policy, assess economic stability, and predict potential consumer spending trends.
Key Facts
- Represents total personal savings without seasonal adjustments
- Provides snapshot of household financial behavior
- Critical indicator of economic health and consumer confidence
FAQs
Q: What does 'not seasonally adjusted' mean?
A: It means the data reflects raw numbers without accounting for predictable seasonal variations like holiday spending or summer travel.
Q: Why are personal savings rates important?
A: They indicate consumer financial health, potential economic resilience, and can signal shifts in spending and investment behaviors.
Q: How is personal savings calculated?
A: Personal savings is typically calculated by subtracting total personal expenditures from total personal income during a specific period.
Q: How do policymakers use this data?
A: They use savings rate trends to inform monetary policy, assess economic stability, and predict potential consumer spending patterns.
Q: How frequently is this data updated?
A: This monthly data series is typically updated monthly, providing a near real-time view of personal savings trends.
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Related Trends
Citation
U.S. Federal Reserve, Monthly, Not Seasonally Adjusted [SAVINGNS], retrieved from FRED.
Last Checked: 8/1/2025