Global AveragesGlobal Averages

    Global Average Savings Rate

    Last updated: January 31, 2026

    16.5%

    %

    The global average household savings rate is approximately 16.5% of disposable income. China leads at ~35%, while the US averages just 4.6%. Savings rates spiked during COVID-19 due to reduced spending opportunities.

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    Historical Trend

    Source: World Bank

    Global Average Savings Rate by Country

    Country Value (%) ↓Source
    China35NBS
    Switzerland28.5BFS
    South Korea25BOK
    United Arab Emirates22CBUAE
    Germany20.1Destatis
    India19.2RBI
    Nigeria18.5CBN
    France17.4INSEE
    Saudi Arabia15SAMA
    Brazil14.8BCB
    Japan11BOJ
    Pakistan10.5SBP
    United Kingdom10.3ONS
    United States4.6BEA
    Australia3.2ABS

    Why This Average Exists

    Savings rates reflect financial security, consumer confidence, and the capacity for future investment in an economy.

    Factors That Affect Global Average Savings Rate

    • Income levels
    • Social safety nets
    • Cultural attitudes
    • Interest rates
    • Age demographics
    • Consumer confidence

    Frequently Asked Questions

    Methodology & Data Sources

    The data presented on this page is compiled from publicly available datasets published by international organizations including the World Bank, World Health Organization (WHO), International Labour Organization (ILO), United Nations, NASA, and national statistical agencies.

    Global averages are calculated using population-weighted or arithmetic means depending on the metric. Country-level data reflects the most recent available figures, typically from 2024–2024. Where gaps exist, the latest available data point is used.

    All figures are subject to revision as source organizations update their datasets. For the most authoritative data, we encourage consulting the original sources linked in the table above.

    Further Reading