Personal Saving Rate
Personal Saving Rate is personal saving as a share of disposable income, reported as Percent.
3.00
Percent
Personal Saving Rate — latest reading: 3.00 percent. As of July 2026, it is down 33.3% over the past 12 months, well below its 10-year average. Source: PSAVERT, US Bureau of Economic Analysis, published monthly. Reported as published, without transformation; the publisher may revise it. Lower than all but 44 of 811 readings since 1959-01-01. Last at or below this level on 2026-06-01.
Min
1.40
Max
31.80
Average
8.36
10Y Percentile
5%
3M Change
+3.4%
Personal Saving Rate (PSAVERT) — 811 observations from 1959-01-01 to 2026-07-01. Source: FRED, Federal Reserve Bank of St. Louis. Red shading indicates NBER recession periods.
How these numbers changed
Every figure above is the current one. These are the same periods as first published — what Personal Saving Rate said on the day, before it was restated. Measured in Percent.
| Period | First print | Now | Change | Republished |
|---|---|---|---|---|
| Jun 2026 | 2.7 | 2.6 | -0.1 | 1× |
| May 2026 | 3 | 2.8 | -0.2 | 1× |
| Apr 2026 | 2.6 | 2.9 | +0.3 | 2× |
| Mar 2026 | 3.6 | 3.5 | -0.1 | 2× |
| Feb 2026 | 4 | 3.8 | -0.2 | 3× |
| Jan 2026 | 4.5 | 4.4 | -0.1 | 2× |
| Dec 2025 | 3.6 | 3.6 | 0 | 3× |
| Nov 2025 | 3.5 | 3.8 | +0.3 | 3× |
| Oct 2025 | 3.7 | 3.9 | +0.2 | 2× |
| Sep 2025 | 4.7 | 4.3 | -0.4 | 2× |
| Aug 2025 | 4.6 | 4.4 | -0.2 | 3× |
Personal Saving Rate for June 2026 first printed at 2.7 on July 30, 2026, was revised once, and now reads down to 2.6. Recompute any row from FRED's own vintage archive.
Macro Regime Context
The growth regime is currently late cycle (67% confidence).
See what this means across all four regime dimensions →3-Month
+3.4%
6-Month
-31.8%
12-Month
-33.3%
What this means
Personal Saving Rate is currently at 3.00 percent, which is well below its 10-year historical average. The trend is increasing (+3.4% over the past 3 months).
Over the past 6 months the change is -31.8%, and over 12 months it is -33.3%. The short-term pace is consistent with the longer trend.
Cite this page
MacroRadar, "Personal Saving Rate," https://www.macroradar.io/personal-saving-rate (as of July 2026).