How much do others save?
%
The share of your after-tax income you don't spend. Paying down a mortgage and paying into a pension both count. Not sure what yours is? The early retirement calculator works it out.
Savings rate by income
Line up every household by income and split them into equal groups. The highest earners do nearly all the saving. The lowest earners spend more than they earn, sometimes far more: many are retirees living on savings or students living on loans, and surveys tend to miss some of their income.
About this data
Gross saving as a share of gross disposable income, from the OECD's experimental distributional household accounts. Treat these as rough.
Savings rate by age
In the US, saving peaks in mid-career, then turns negative after 65 as people live on what they saved.
About this data
United States, by the age of the head of the household. Income after taxes minus spending, from the BLS Consumer Expenditure Survey. It counts pension contributions as spending, so these rates read a little low.
Savings rate by country
Why do some countries save more? Thin safety nets, hard-to-get credit and an ageing population push people to save just in case. That's part of why China's rate is so high, while easy credit and generous pensions let people elsewhere save less.
But saving more isn't the whole story. Much of China's saving sits in bank deposits earning little more than inflation. Strict rules limit investing abroad, the local stock market has been a rollercoaster, and house prices, the other big option, have been falling since 2021. Money growing 5% a year after inflation doubles about every 14 years. At 1%, it takes 70.
| Country | Year | Savings rate |
|---|---|---|
| China | 2023 | 34.9% |
| Hungary | 2024 | 14.7% |
| Sweden | 2025 | 13.5% |
| Czechia | 2025 | 12.9% |
| France | 2024 | 12.8% |
| Austria | 2024 | 11.7% |
| Netherlands | 2025 | 10.5% |
| Germany | 2025 | 10.3% |
| South Korea | 2025 | 10.2% |
| Denmark | 2025 | 9.8% |
| Spain | 2024 | 9.2% |
| Ireland | 2024 | 9.0% |
| Chile | 2024 | 8.4% |
| Mexico | 2024 | 8.1% |
| European Union | 2025 | 8.0% |
| Colombia | 2024 | 7.3% |
| Belgium | 2024 | 6.6% |
| Australia | 2024 | 6.1% |
| Finland | 2025 | 6.1% |
| Poland | 2024 | 6.1% |
| United States | 2024 | 5.7% |
| Luxembourg | 2024 | 5.0% |
| Canada | 2025 | 4.5% |
| United Kingdom | 2025 | 4.3% |
| Lithuania | 2024 | 3.8% |
| Portugal | 2025 | 3.6% |
| Italy | 2025 | 3.2% |
| Estonia | 2024 | 3.0% |
| Slovakia | 2024 | 2.0% |
| Japan | 2024 | 0.7% |
| Latvia | 2024 | 0.0% |
| South Africa | 2025 | -1.2% |
| New Zealand | 2023 | -1.3% |
| Greece | 2024 | -9.3% |
About this data
Household net saving as a share of net disposable income, the latest year each country has published, from the OECD's National Accounts at a Glance.
Updated 2026-10-25.