United States: Personal Income and Its Disposition - Personal Saving Rate (SA)

Macro

2026-10-29

Description

The Personal Saving Rate is released by the Bureau of Economic Analysis (BEA) of the U.S. Department of Commerce and measures the proportion of disposable income that is saved by individuals, with the data seasonally adjusted. This indicator reflects the balance between consumption and savings among residents and serves as a key metric for assessing consumer saving behavior and economic stability.

An increase in the personal saving rate typically indicates that individuals are saving more, possibly due to uncertainty about the future economic outlook or a reduction in consumption. Conversely, a decrease in the saving rate may suggest increased consumption, indicating greater consumer confidence in the economic outlook.

This data is released monthly, reflecting changes in the saving behavior of U.S. residents from the previous month.

Note: Personal Saving Rate = Personal Savings / Disposable Personal Income.

Published by
U.S. Bureau of Economic Analysis (Choice)
Frequency
Monthly
Next Update

AI Data Insight

The US personal savings rate fell to 3.8% in September 2026 (Q3), not only lower than the previous value of 4.1% but also hitting a near four-year low. Amid surging energy prices and slowing income growth, consumers are forced to deplete their savings to maintain living standards. If future inflation fails to cool as expected, the high-interest-rate environment may further dry up household cash flow, adding hidden concerns to the economy.

AI Data Insight

The US personal savings rate fell to 3.8% in September 2026 (Q3), not only lower than the previous value of 4.1% but also hitting a near four-year low. Amid surging energy prices and slowing income growth, consumers are forced to deplete their savings to maintain living standards. If future inflation fails to cool as expected, the high-interest-rate environment may further dry up household cash flow, adding hidden concerns to the economy.

Description

The Personal Saving Rate is released by the Bureau of Economic Analysis (BEA) of the U.S. Department of Commerce and measures the proportion of disposable income that is saved by individuals, with the data seasonally adjusted. This indicator reflects the balance between consumption and savings among residents and serves as a key metric for assessing consumer saving behavior and economic stability.

An increase in the personal saving rate typically indicates that individuals are saving more, possibly due to uncertainty about the future economic outlook or a reduction in consumption. Conversely, a decrease in the saving rate may suggest increased consumption, indicating greater consumer confidence in the economic outlook.

This data is released monthly, reflecting changes in the saving behavior of U.S. residents from the previous month.

Note: Personal Saving Rate = Personal Savings / Disposable Personal Income.

Published by
U.S. Bureau of Economic Analysis (Choice)
Frequency
Monthly
Next Update