AI Data Insight
In June 2026, U.S. total personal savings fell to $646.1 billion from $704.2 billion in the previous month, with the savings rate also dropping to a low of 2.7%. Although inflation has cooled slightly recently, the growth in personal consumption expenditures continues to outpace income growth, indicating that the public is continuously depleting their deposits to maintain living standards. If this trend continues, it is likely to significantly weaken the financial resilience of U.S. households against future economic risks.