Personal Saving Rate (PSAVERT)
Personal Saving Rate — Historical Chart
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Sign Up FreeUnderstanding Personal Saving Rate
Personal Saving Rate (FRED series PSAVERT) is a monthly economic growth indicator measured in percent. The series is published through FRED, the Federal Reserve Bank of St. Louis economic database, with history going back to 1959. Values are seasonally adjusted, smoothing out predictable calendar effects so that underlying trends are easier to see.
Why it matters: Personal Saving Rate is one of the indicators traders, economists, and policymakers watch within the economic growth complex. It is a core gauge of economic activity, and sustained changes often mark turning points in the business cycle.
How to read it: focus on the direction and persistence of changes rather than any single monthly print. Comparing the latest value against its level a year ago, and against its long-run range since 1959, gives a better sense of whether the series is signaling acceleration, deceleration, or a turning point.
About This Series
BEA Account Code: A072RC Personal saving as a percentage of disposable personal income (DPI), frequently referred to as "the personal saving rate," is calculated as the ratio of personal saving to DPI. Personal saving is equal to personal income less personal outlays and personal taxes; it may generally be viewed as the portion of personal income that is used either to provide funds to capital markets or to invest in real assets such as residences.(https://www.bea.gov/national/pdf/all-chapters.pdf) A Guide to the National Income and Product Accounts of the United States (http://www.bea.gov/national/pdf/nipaguid.pdf) (NIPA).
Recent Data
| Date | Value (%) | Change |
|---|---|---|
| April 1, 2026 | 2.60% | -0.6 |
| March 1, 2026 | 3.20% | -0.7 |
| February 1, 2026 | 3.90% | -0.6 |
| January 1, 2026 | 4.50% | +0.5 |
| December 1, 2025 | 4.00% | +0.3 |
| November 1, 2025 | 3.70% | +0 |
| October 1, 2025 | 3.70% | -0.3 |
| September 1, 2025 | 4.00% | -0.1 |
| August 1, 2025 | 4.10% | -0.2 |
| July 1, 2025 | 4.30% | -0.3 |
| June 1, 2025 | 4.60% | -0.3 |
| May 1, 2025 | 4.90% | -0.6 |
Frequently Asked Questions
What is Personal Saving Rate today?
The latest value of Personal Saving Rate (PSAVERT) is shown at the top of this page, along with its observation date and the change from the prior reading. Data is sourced from FRED and refreshed regularly.
How often is Personal Saving Rate updated?
Personal Saving Rate is reported monthly (Monthly). New observations appear on FRED shortly after the source agency releases them, and this page updates daily.
What does a rising Personal Saving Rate mean?
A sustained rise in Personal Saving Rate signals strengthening readings in this economic growth measure, in percent. Whether that is positive or negative for markets depends on context — compare the move against the series’ trend and related indicators in the same category.
Where does the PSAVERT data come from?
The data comes from FRED® (Federal Reserve Economic Data), maintained by the Federal Reserve Bank of St. Louis, under series ID PSAVERT. History is available back to 1959.
Related Economic Growth Indicators
- Government Consumption Expenditures and Gross Investment5,416.4
- Real Government Consumption Expenditures and Gross Investment3,999.46
- Gross Domestic Product31,819.46
- Real Gross Domestic Product24,152.66
- Gross Private Domestic Investment5,620.4
- Real Gross Private Domestic Investment4,483.14
- Net Exports of Goods and Services-895.04
- Personal Consumption Expenditures21,979.4
Data sourced from FRED®, Federal Reserve Bank of St. Louis: Personal Saving Rate (PSAVERT). Retrieved from fred.stlouisfed.org. Last updated May 28, 2026.