Monthly, Seasonally Adjusted
SAVINGSL • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
10,602.80
Year-over-Year Change
14.59%
Date Range
1/1/1959 - 4/1/2020
Summary
The Monthly, Seasonally Adjusted savings rate tracks the percentage of disposable personal income that Americans save after accounting for regular spending. This metric is crucial for understanding 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
This economic indicator represents the proportion of personal income remaining after expenses, providing insights into household financial health and potential economic trends. Economists use this data to assess consumer confidence, spending patterns, and potential economic shifts.
Methodology
The data is calculated by the Bureau of Economic Analysis by dividing personal savings by disposable personal income and adjusting for seasonal variations.
Historical Context
Policymakers and financial analysts use this trend to gauge economic stability, predict consumer spending, and inform monetary and fiscal policy decisions.
Key Facts
- Represents the percentage of disposable income not spent on current expenses
- Fluctuates based on economic conditions and consumer sentiment
- Important indicator of economic health and potential future spending
FAQs
Q: What does the savings rate indicate about the economy?
A: A higher savings rate can suggest economic uncertainty or cautious consumer behavior, while a lower rate might indicate increased consumer confidence and spending.
Q: How is the savings rate calculated?
A: It is calculated by dividing personal savings by disposable personal income and then converting to a percentage.
Q: Why do economists track the savings rate?
A: The savings rate helps predict consumer spending, economic growth, and potential financial resilience during economic challenges.
Q: How often is the savings rate updated?
A: The data is typically updated monthly with seasonal adjustments to provide the most current economic insights.
Q: Can the savings rate vary by demographic groups?
A: Yes, savings rates can differ significantly across income levels, age groups, and geographic regions.
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Related Trends
Citation
U.S. Federal Reserve, Monthly, Seasonally Adjusted [SAVINGSL], retrieved from FRED.
Last Checked: 8/1/2025