Personal Saving Rate 2.7 for
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.
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⋮ | ⋮ |
|---|---|
| June 1, 2026 | 2.7 |
| May 1, 2026 | 2.8 |
| April 1, 2026 | 3 |
| March 1, 2026 | 3.5 |
| February 1, 2026 | 3.8 |
| January 1, 2026 | 4.4 |
| December 1, 2025 | 3.6 |
| November 1, 2025 | 3.8 |
| October 1, 2025 | 3.9 |
| September 1, 2025 | 4.3 |
| August 1, 2025 | 4.4 |
| July 1, 2025 | 4.5 |
| June 1, 2025 | 4.6 |
| May 1, 2025 | 4.9 |
| April 1, 2025 | 5.5 |
| March 1, 2025 | 5.1 |
| February 1, 2025 | 5.2 |
| January 1, 2025 | 5.1 |
| December 1, 2024 | 4.3 |
| November 1, 2024 | 4.9 |
⋮ | ⋮ |
|---|---|
| September 1, 1992 | 8.6 |
| August 1, 1992 | 9.6 |
| July 1, 1992 | 9.5 |
| June 1, 1992 | 10 |
| May 1, 1992 | 9.8 |
| April 1, 1992 | 9.8 |
| March 1, 1992 | 9.7 |
| February 1, 1992 | 9.8 |
| January 1, 1992 | 9.5 |
| December 1, 1991 | 9.8 |
| November 1, 1991 | 9.1 |
| October 1, 1991 | 9.4 |
| September 1, 1991 | 8.9 |
| August 1, 1991 | 8.7 |
| July 1, 1991 | 8.4 |
| June 1, 1991 | 9 |
| May 1, 1991 | 8.5 |
| April 1, 1991 | 8.7 |
| March 1, 1991 | 8.1 |
| February 1, 1991 | 9 |
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.
Stats
| Last Value | 2.7 |
| Latest Period | Jun 2026 |
| Last Updated | July 30 2026, 09:40 |
| Value Previous Month | 2.8 |
| Change From Previous Month | -3.57% |
| Value 1 Year Ago | 4.6 |
| 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 Average | 8.36 |
| Frequency | Monthly |
| Adjustment | Seasonally Adjusted Annual Rate |
| Unit | Percent |
Annual Averages
| 2026 | 3.37 |
| 2025 | 4.58 |
| 2024 | 5.43 |
| 2023 | 5.59 |
| 2022 | 3.35 |
| 2021 | 11.33 |
| 2020 | 15.09 |
| 2019 | 7.31 |
| 2018 | 6.43 |
| 2017 | 5.76 |
| 2016 | 5.36 |
| 2015 | 5.85 |
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