MarketXLS

Personal Saving Rate

2.7 for Jun 2026

Personal Saving Rate came in at 2.7 (Percent) for Jun 2026, down 3.57% from 2.8 the prior month and 41.30% below its level of 4.6 one year ago. The series has averaged 8.36 since 1959, reaching a record high of 31.8 in April 2020 and a record low of 1.4 in July 2005.

Source: Federal Reserve Economic Data (FRED), St. Louis Fed

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Cite this data: "Personal Saving Rate," MarketXLS. Data from Federal Reserve Economic Data (FRED), St. Louis Fed. marketxls.com/indicators/personal-savings-rate

Historical Data

Observation dateValue
June 1, 20262.7
May 1, 20262.8
April 1, 20263
March 1, 20263.5
February 1, 20263.8
January 1, 20264.4
December 1, 20253.6
November 1, 20253.8
October 1, 20253.9
September 1, 20254.3
August 1, 20254.4
July 1, 20254.5
June 1, 20254.6
May 1, 20254.9
April 1, 20255.5
March 1, 20255.1
February 1, 20255.2
January 1, 20255.1
December 1, 20244.3
November 1, 20244.9
October 1, 20245
September 1, 20244.8
August 1, 20245.2
July 1, 20245.3
June 1, 20245.7
May 1, 20245.8
April 1, 20245.8
March 1, 20245.9
February 1, 20246.1
January 1, 20246.4
December 1, 20235.6
November 1, 20235.6
October 1, 20235.4
September 1, 20235.3
August 1, 20235.6
July 1, 20235.5
June 1, 20235.8
May 1, 20236.1
April 1, 20235.8
March 1, 20236
February 1, 20235.5
January 1, 20234.9
December 1, 20224.2
November 1, 20223.8
October 1, 20223.4
September 1, 20223.4
August 1, 20223.2
July 1, 20223.3
June 1, 20222.2
May 1, 20222.6
April 1, 20222.6
March 1, 20223.2
February 1, 20224.1
January 1, 20224.2
December 1, 20216.6
November 1, 20216.6
October 1, 20217
September 1, 20217.6
August 1, 20218.7
July 1, 20219.5
June 1, 20218.8
May 1, 202110
April 1, 202112.4
March 1, 202126.2
February 1, 202113
January 1, 202119.5
December 1, 202011.8
November 1, 202012
October 1, 202012.8
September 1, 202013.3
August 1, 202013.9
July 1, 202017.9
June 1, 202018.3
May 1, 202022.6
April 1, 202031.8
March 1, 202012.4
February 1, 20207.5
January 1, 20206.8
December 1, 20196.2
November 1, 20196.9
October 1, 20197.1
September 1, 20197
August 1, 20196.9
July 1, 20196.8
June 1, 20197.1
May 1, 20197.3
April 1, 20197.6
March 1, 20197.9
February 1, 20198.5
January 1, 20198.4
December 1, 20188.4
November 1, 20186.5
October 1, 20186.7
September 1, 20186.8
August 1, 20186.6
July 1, 20186.5
June 1, 20186.3
May 1, 20186
April 1, 20186
March 1, 20185.9
February 1, 20185.8
January 1, 20185.7
December 1, 20175
November 1, 20175.6
October 1, 20176
September 1, 20175.9
August 1, 20176.1
July 1, 20176
June 1, 20176
May 1, 20176.3
April 1, 20175.7
March 1, 20175.6
February 1, 20175.6
January 1, 20175.3
December 1, 20165
November 1, 20165.4
October 1, 20165.3
September 1, 20165.1
August 1, 20165.1
July 1, 20165.1
June 1, 20164.9
May 1, 20165.3
April 1, 20165.5
March 1, 20165.9
February 1, 20165.6
January 1, 20166.1
December 1, 20155.8
November 1, 20155.6
October 1, 20155.8
September 1, 20155.8
August 1, 20155.6
July 1, 20155.6
June 1, 20155.7
May 1, 20155.8
April 1, 20155.9
March 1, 20155.9
February 1, 20156.4
January 1, 20156.3
December 1, 20146
November 1, 20145.6
October 1, 20145.4
September 1, 20145.5
August 1, 20145.3
July 1, 20145.5
June 1, 20145.6
May 1, 20145.6
April 1, 20145.4
March 1, 20145.2
February 1, 20145.3
January 1, 20145.2
December 1, 20134.5
November 1, 20134.5
October 1, 20134.7
September 1, 20135.3
August 1, 20135.2
July 1, 20135.2
June 1, 20135.4
May 1, 20135.3
April 1, 20135.1
March 1, 20134.8
February 1, 20134.7
January 1, 20134.9
December 1, 201210.9
November 1, 20128.7
October 1, 20127.8
September 1, 20127.2
August 1, 20126.7
July 1, 20127
June 1, 20127.9
May 1, 20127.9
April 1, 20127.9
March 1, 20127.6
February 1, 20127.3
January 1, 20127.4
December 1, 20117.2
November 1, 20116.4
October 1, 20116.3
September 1, 20116.4
August 1, 20116.7
July 1, 20116.7
June 1, 20116.5
May 1, 20116.3
April 1, 20116.3
March 1, 20116.3
February 1, 20116.9
January 1, 20116.6
December 1, 20106.2
November 1, 20105.8
October 1, 20105.9
September 1, 20106.1
August 1, 20106.2
July 1, 20106.1
June 1, 20106.2
May 1, 20106.4
April 1, 20106
March 1, 20105.3
February 1, 20105.3
January 1, 20105.6
December 1, 20095.4
November 1, 20095.5
October 1, 20095.1
September 1, 20095.5
August 1, 20094.4
July 1, 20095.4
June 1, 20096.1
May 1, 20097.8
April 1, 20096.5
March 1, 20095.8
February 1, 20095.4
January 1, 20095.9
December 1, 20085.8
November 1, 20086
October 1, 20084.9
September 1, 20083.9
August 1, 20083.1
July 1, 20083.6
June 1, 20084.6
May 1, 20086.8
April 1, 20082.4
March 1, 20082.9
February 1, 20083
January 1, 20082.6
December 1, 20072.4
November 1, 20071.9
October 1, 20072.2
September 1, 20072.3
August 1, 20072.2
July 1, 20072.6
June 1, 20072.7
May 1, 20072.8
April 1, 20073
March 1, 20073
February 1, 20072.8
January 1, 20072.4
December 1, 20062.6
November 1, 20062.7
October 1, 20062.4
September 1, 20062.4
August 1, 20062.5
July 1, 20062.3
June 1, 20062.9
May 1, 20062.9
April 1, 20063.1
March 1, 20063.3
February 1, 20063.2
January 1, 20063
December 1, 20052.5
November 1, 20052.6
October 1, 20052.3
September 1, 20052
August 1, 20052
July 1, 20051.4
June 1, 20052
May 1, 20052.6
April 1, 20052.1
March 1, 20052.5
February 1, 20052.3
January 1, 20052.7
December 1, 20046.2
November 1, 20043.4
October 1, 20043.9
September 1, 20044.1
August 1, 20044.7
July 1, 20044.7
June 1, 20045.4
May 1, 20044.8
April 1, 20044.9
March 1, 20044.5
February 1, 20044.6
January 1, 20044.6
December 1, 20035
November 1, 20035
October 1, 20035
September 1, 20034.9
August 1, 20035.7
July 1, 20035.9
June 1, 20035.1
May 1, 20035.3
April 1, 20035
March 1, 20034.9
February 1, 20035.2
January 1, 20035.3
December 1, 20025.3
November 1, 20025.6
October 1, 20025.6
September 1, 20025.8
August 1, 20025.2
July 1, 20025.3
June 1, 20026.1
May 1, 20026.1
April 1, 20025.4
March 1, 20025.5
February 1, 20025.4
January 1, 20025.6
December 1, 20013.7
November 1, 20013.4
October 1, 20012.9
September 1, 20016.9
August 1, 20016.5
July 1, 20015.4
June 1, 20014.2
May 1, 20014.3
April 1, 20014.8
March 1, 20014.9
February 1, 20014.6
January 1, 20014.5
December 1, 20004.1
November 1, 20004.3
October 1, 20004.3
September 1, 20004.1
August 1, 20004.8
July 1, 20004.7
June 1, 20004.3
May 1, 20004.3
April 1, 20004.3
March 1, 20003.8
February 1, 20004
January 1, 20004.5
December 1, 19993.7
November 1, 19994.1
October 1, 19994
September 1, 19993.7
August 1, 19994.3
July 1, 19994.4
June 1, 19994.3
May 1, 19994.4
April 1, 19994.7
March 1, 19995.6
February 1, 19996
January 1, 19996.1
December 1, 19985.5
November 1, 19986
October 1, 19985.9
September 1, 19986.1
August 1, 19986.5
July 1, 19986.6
June 1, 19986.5
May 1, 19986.6
April 1, 19986.9
March 1, 19987.1
February 1, 19987
January 1, 19987
December 1, 19976.1
November 1, 19976.1
October 1, 19975.9
September 1, 19975.9
August 1, 19975.7
July 1, 19975.8
June 1, 19976.3
May 1, 19976.5
April 1, 19976.2
March 1, 19976.1
February 1, 19976
January 1, 19975.9
December 1, 19966.1
November 1, 19966.2
October 1, 19966.1
September 1, 19966.4
August 1, 19966.4
July 1, 19966.5
June 1, 19966.9
May 1, 19966.5
April 1, 19965.5
March 1, 19966.4
February 1, 19966.6
January 1, 19966.5
December 1, 19956
November 1, 19956.4
October 1, 19957
September 1, 19956.6
August 1, 19956.6
July 1, 19956.9
June 1, 19956.5
May 1, 19957
April 1, 19956.8
March 1, 19957.4
February 1, 19957.7
January 1, 19957.3
December 1, 19947
November 1, 19946.9
October 1, 19947
September 1, 19946.7
August 1, 19946.4
July 1, 19946.9
June 1, 19946.8
May 1, 19947.5
April 1, 19946.3
March 1, 19946.7
February 1, 19946.4
January 1, 19947
December 1, 19939
November 1, 19936.2
October 1, 19936.2
September 1, 19936.8
August 1, 19937.6
July 1, 19937.5
June 1, 19937.7
May 1, 19938.2
April 1, 19938.7
March 1, 19938.8
February 1, 19938.8
January 1, 19938.5
December 1, 199210.5
November 1, 19927.9
October 1, 19927.9
September 1, 19928.6
August 1, 19929.6
July 1, 19929.5
June 1, 199210
May 1, 19929.8
April 1, 19929.8
March 1, 19929.7
February 1, 19929.8
January 1, 19929.5
December 1, 19919.8
November 1, 19919.1
October 1, 19919.4
September 1, 19918.9
August 1, 19918.7
July 1, 19918.4
June 1, 19919
May 1, 19918.5
April 1, 19918.7
March 1, 19918.1
February 1, 19919
January 1, 19919.4
December 1, 19908.8
November 1, 19908
October 1, 19907.9
September 1, 19908.1
August 1, 19908.1
July 1, 19908.7
June 1, 19908.6
May 1, 19908.7
April 1, 19908.7
March 1, 19908.3
February 1, 19908.5
January 1, 19907.9
December 1, 19897.7
November 1, 19898.5
October 1, 19898.4
September 1, 19897.9
August 1, 19897.5
July 1, 19898.1
June 1, 19898.1
May 1, 19898
April 1, 19898.3
March 1, 19899.4
February 1, 19898.9
January 1, 19898.5
December 1, 19888.3
November 1, 19888.4
October 1, 19888.6
September 1, 19888.8
August 1, 19888.4
July 1, 19888.6
June 1, 19888.4
May 1, 19888.3
April 1, 19888.7
March 1, 19888
February 1, 19888.4
January 1, 19887.9
December 1, 19878.4
November 1, 19878.2
October 1, 19877.9
September 1, 19877.2
August 1, 19876.8
July 1, 19877.1
June 1, 19877.3
May 1, 19877.8
April 1, 19874.1
March 1, 19878.1
February 1, 19878.2
January 1, 19879.4
December 1, 19866.8
November 1, 19868.6
October 1, 19868.3
September 1, 19867.1
August 1, 19868.9
July 1, 19869.3
June 1, 19869.4
May 1, 19869.3
April 1, 19869.7
March 1, 19869.9
February 1, 19869.3
January 1, 19868.7
December 1, 19858.6
November 1, 19859
October 1, 19859.1
September 1, 19857.3
August 1, 19858.1
July 1, 19859.1
June 1, 19859.6
May 1, 198511
April 1, 19859.8
March 1, 19858.6
February 1, 19858.9
January 1, 198510.2
December 1, 198411.1
November 1, 198410.7
October 1, 198411.6
September 1, 198411.7
August 1, 198411.7
July 1, 198411.4
June 1, 198411
May 1, 198411
April 1, 198411.4
March 1, 198411.4
February 1, 198411.6
January 1, 19849.9
December 1, 198310.1
November 1, 198310.3
October 1, 19839.7
September 1, 19839.6
August 1, 19839.2
July 1, 19839.7
June 1, 19839.2
May 1, 19839.9
April 1, 198310.3
March 1, 198310.7
February 1, 198311.2
January 1, 198311.1
December 1, 198210.9
November 1, 198210.9
October 1, 198211.2
September 1, 198211.7
August 1, 198212.5
July 1, 198212.5
June 1, 198212.2
May 1, 198212.2
April 1, 198212.8
March 1, 198212.1
February 1, 198212
January 1, 198212.6
December 1, 198112.4
November 1, 198113
October 1, 198112.9
September 1, 198112.3
August 1, 198112
July 1, 198112.3
June 1, 198110.8
May 1, 198110.9
April 1, 198110.8
March 1, 198110.8
February 1, 198110.8
January 1, 198110.9
December 1, 198011.4
November 1, 198011.6
October 1, 198011.3
September 1, 198011.7
August 1, 198011.4
July 1, 198011.4
June 1, 198011.3
May 1, 198011.5
April 1, 198011.4
March 1, 198010.3
February 1, 198010.1
January 1, 19809.9
December 1, 197910.1
November 1, 19799.7
October 1, 19799.7
September 1, 19799.4
August 1, 19799.7
July 1, 197910.6
June 1, 19799.8
May 1, 197910.3
April 1, 197911
March 1, 197911.2
February 1, 197911
January 1, 197911.1
December 1, 197810.4
November 1, 197810.5
October 1, 197810.7
September 1, 197810.6
August 1, 197810.5
July 1, 197810.9
June 1, 197810
May 1, 197810.3
April 1, 197810.8
March 1, 197811
February 1, 197811.1
January 1, 197811.9
December 1, 197711.4
November 1, 197711.2
October 1, 197711
September 1, 197711.1
August 1, 197710.9
July 1, 197710.5
June 1, 197710.6
May 1, 197710.3
April 1, 197710.5
March 1, 197710.5
February 1, 19779.3
January 1, 197710.6
December 1, 197610.6
November 1, 197611.4
October 1, 197611.1
September 1, 197611.4
August 1, 197611.7
July 1, 197611.7
June 1, 197611.4
May 1, 197612.3
April 1, 197611.7
March 1, 197612.2
February 1, 197612.3
January 1, 197611.7
December 1, 197512
November 1, 197512.7
October 1, 197513.4
September 1, 197513
August 1, 197513
July 1, 197512.6
June 1, 197514.3
May 1, 197517.3
April 1, 197514.2
March 1, 197512.7
February 1, 197512.5
January 1, 197513.2
December 1, 197414
November 1, 197413.8
October 1, 197413.4
September 1, 197412.9
August 1, 197412.1
July 1, 197412.8
June 1, 197412.8
May 1, 197412.8
April 1, 197413.1
March 1, 197413.4
February 1, 197414.2
January 1, 197414.3
December 1, 197314.8
November 1, 197314.4
October 1, 197314.4
September 1, 197313.1
August 1, 197313.9
July 1, 197313.2
June 1, 197313.6
May 1, 197313.2
April 1, 197313.2
March 1, 197312.7
February 1, 197312.5
January 1, 197312.4
December 1, 197213.7
November 1, 197213.6
October 1, 197213
September 1, 197212.2
August 1, 197212
July 1, 197211.7
June 1, 197211.7
May 1, 197211.7
April 1, 197211.5
March 1, 197211.8
February 1, 197212.8
January 1, 197212.5
December 1, 197113
November 1, 197113.1
October 1, 197113.3
September 1, 197113.3
August 1, 197113.6
July 1, 197113.8
June 1, 197114.7
May 1, 197113.6
April 1, 197113.2
March 1, 197113.5
February 1, 197113.3
January 1, 197113.3
December 1, 197013.2
November 1, 197013.6
October 1, 197013.1
September 1, 197012.9
August 1, 197013.4
July 1, 197013.5
June 1, 197012.3
May 1, 197012.4
April 1, 197013.3
March 1, 197012.4
February 1, 197011.7
January 1, 197011.8
December 1, 196911.8
November 1, 196911.6
October 1, 196911.4
September 1, 196911.6
August 1, 196911.5
July 1, 196911.8
June 1, 196911.1
May 1, 196910.1
April 1, 19699.7
March 1, 196910.2
February 1, 19699.7
January 1, 196910.3
December 1, 196811.1
November 1, 196810.6
October 1, 196810.8
September 1, 196810.6
August 1, 196810.5
July 1, 196810.7
June 1, 196811.7
May 1, 196812
April 1, 196812.3
March 1, 196811.7
February 1, 196812.3
January 1, 196811.7
December 1, 196711.8
November 1, 196712.8
October 1, 196712.9
September 1, 196711.9
August 1, 196712.6
July 1, 196712.6
June 1, 196711.9
May 1, 196712
April 1, 196711.9
March 1, 196712.8
February 1, 196712.6
January 1, 196712.1
December 1, 196611.6
November 1, 196611.8
October 1, 196611.6
September 1, 196611
August 1, 196611.2
July 1, 196610.9
June 1, 196611.4
May 1, 196611.2
April 1, 196610.3
March 1, 196610.7
February 1, 196611
January 1, 196611.2
December 1, 196511.7
November 1, 196511.5
October 1, 196510.9
September 1, 196512.5
August 1, 196511.7
July 1, 196511.9
June 1, 196512.1
May 1, 196511.2
April 1, 196510.2
March 1, 196510.8
February 1, 196510.7
January 1, 196512.1
December 1, 196412.5
November 1, 196412.5
October 1, 196411.2
September 1, 196411.8
August 1, 196411.1
July 1, 196411.2
June 1, 196411.5
May 1, 196411.7
April 1, 196412.4
March 1, 196412.1
February 1, 196410.4
January 1, 196410.7
December 1, 196310.7
November 1, 196311
October 1, 196311.5
September 1, 196311
August 1, 196310.2
July 1, 196310.1
June 1, 196310.5
May 1, 196310.9
April 1, 196310.7
March 1, 196310.6
February 1, 196310.7
January 1, 196310.9
December 1, 196210.3
November 1, 196210.4
October 1, 196211.3
September 1, 196210.4
August 1, 196211.4
July 1, 196211.6
June 1, 196211.5
May 1, 196211.1
April 1, 196211.7
March 1, 196211.6
February 1, 196211.8
January 1, 196211.3
December 1, 196111.6
November 1, 196111.6
October 1, 196111.7
September 1, 196111.3
August 1, 196111.7
July 1, 196112
June 1, 196111.5
May 1, 196110.8
April 1, 196110.6
March 1, 196110.4
February 1, 196111.1
January 1, 196111.1
December 1, 196010.4
November 1, 19609.8
October 1, 19609.8
September 1, 196010
August 1, 196010.3
July 1, 196010.4
June 1, 196010.4
May 1, 196010.4
April 1, 19608.4
March 1, 19609.4
February 1, 196010.6
January 1, 196010.9
December 1, 195911
November 1, 195910.1
October 1, 19599.4
September 1, 19598.7
August 1, 19599.6
July 1, 195910.7
June 1, 195910.5
May 1, 195910.6
April 1, 195911.2
March 1, 195910.3
February 1, 195910.6
January 1, 195911.3

About Personal Saving Rate

What it measures

The Personal Saving Rate (FRED series PSAVERT) measures personal saving as a percentage of disposable personal income, calculated by the Bureau of Economic Analysis as income minus taxes and outlays. It is published monthly in the Personal Income and Outlays report and reflects the residual between what households earn and what they spend.

Why it matters

The saving rate reveals how much cushion households are building or drawing down, which determines the durability of consumer spending. A falling rate can sustain consumption growth beyond income growth for a time, but signals diminishing buffers. Economists also watch it to gauge precautionary behavior, since saving typically jumps when households turn fearful.

How to read it

A declining rate means spending is outrunning income, which supports near-term GDP but borrows from future demand; a rising rate implies caution or improved capacity to absorb shocks. The measure is a residual of two large aggregates, so it is heavily revised and noisy month to month. Compare current levels against the long-run range rather than reacting to single prints.

Get Personal Saving Rate in Excel

Pull Personal Saving Rate directly into your spreadsheet with a single MarketXLS formula - always current, no copy-pasting:

=PersonalSavingsRate()

View the Personal Savings Rate formula documentation or browse all 100+ Economic Data functions.

Frequently Asked Questions

What is the current Personal Saving Rate?

Personal Saving Rate is 2.7 (Percent) as of June 2026.

What is the all-time high and low of Personal Saving Rate?

The highest value on record is 31.8 (April 2020) and the lowest is 1.4 (July 2005).

How often is Personal Saving Rate updated?

Personal Saving Rate is published on a monthly basis, sourced from Federal Reserve Economic Data (FRED).

How do I get Personal Saving Rate in Excel?

Use the MarketXLS Excel formula =PersonalSavingsRate() to pull Personal Saving Rate directly into any cell, with historical values available for analysis.

Basic info
Personal saving as a percentage of disposable personal income.
RegionUnited States
FrequencyMonthly
Last updatedJuly 30, 2026
Seasonal adjustmentSeasonally Adjusted Annual Rate
UnitPercent

Stats
Last Value2.7
Latest PeriodJun 2026
Last UpdatedJuly 30 2026, 09:40
Value Previous Month2.8
Change From Previous Month-3.57%
Value 1 Year Ago4.6
Change From Year Ago-41.30%
Average Growth Rate-2.10%/yr
Record High (Apr 2020)31.8
Record Low (Jul 2005)1.4
Long-Term Average8.36
FrequencyMonthly
AdjustmentSeasonally Adjusted Annual Rate
UnitPercent

Annual Averages
20263.37
20254.58
20245.43
20235.59
20223.35
202111.33
202015.09
20197.31
20186.43
20175.76
20165.36
20155.85

Related Indicators
Real Gross Domestic Product
Real Personal Consumption Expenditures
Real Gross Private Domestic Investment
Real Government Spending
Real Net Exports of Goods and Services
Real Exports of Goods and Services
Real imports of goods and services
Federal Receipts
Federal Net Outlays
Federal Surplus or Deficit
US Federal Debt (Total Public Debt)
Real Private Nonresidential Fixed Investment
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