Personal Saving Rate
4.0%
Q4 2025
Source: FRED PSAVERT · Bureau of Economic Analysis · Quarterly, 2000–2025
Total Personal Saving
The same measure in dollar terms, disposable personal income minus personal outlays, seasonally adjusted at annual rates.
$929B
Q4 2025
Source: FRED PSAVE · Bureau of Economic Analysis · Quarterly SAAR, 2000–2025
Total Personal Saving per Household
Average annual personal saving per U.S. household, calculated by dividing BEA total personal saving by the number of households.
Source: FRED TTLHH · U.S. Census Bureau
Brokerage & Taxable Investment Net Inflows
Net household acquisitions of corporate equities and mutual fund shares, tracking how much Americans channel into brokerage and taxable investment accounts each quarter.
$1.4T
Q4 2025
Source: FRED Flow of Funds · Federal Reserve Z.1 · Quarterly SAAR, 2000–2025
Brokerage & Taxable Investment Net Inflows per Household
Average net investment per U.S. household into brokerage and taxable accounts, calculated by dividing total net equity acquisitions by the number of households.
Source: FRED TTLHH · U.S. Census Bureau
Retirement Account Contributions
Estimated total contributions to defined-contribution plans (401k, 403b, 457, TSP) and IRAs, the primary vehicle for long-term tax-advantaged retirement saving.
$1.1T
Q4 2025
Source: ICI · Bureau of Labor Statistics · Annual Estimates, 2000–2025
Retirement Account Contributions per Household
Average annual retirement contributions per U.S. household across 401(k), 403(b), 457, TSP, and IRA accounts.
Source: FRED TTLHH · U.S. Census Bureau
HSA & 529 Plan Contributions
Combined annual contributions to Health Savings Accounts and 529 college savings plans, tax-advantaged accounts for medical expenses and education.
$121B
Q4 2025
Source: Devenir · College Savings Plans Network · Annual, 2000–2025
HSA & 529 Plan Contributions per Household
Average annual HSA and 529 plan contributions per U.S. household.
Source: FRED TTLHH · U.S. Census Bureau
Cash & Bank Deposit Growth
Quarter-over-quarter change in household checkable deposits and currency, tracking how much cash Americans accumulate (or draw down) in bank accounts.
-$342B
Q4 2025
Source: FRED Flow of Funds · Federal Reserve Z.1 · Quarterly, 2000–2025
Cash & Bank Deposit Growth per Household
Average quarterly change in checkable deposits per U.S. household, annualized. Positive values indicate cash accumulation; negative values indicate drawdowns.
Source: FRED TTLHH · U.S. Census Bureau
Savings by Destination
Estimated annual savings flows by destination. Values in billions, seasonally adjusted annual rates where available.
| DESTINATION | EST. ANNUAL FLOW | AS OF | SOURCE |
|---|---|---|---|
| Brokerage & Taxable Investment Net Inflows | $1.4T | Q4 2025 | FRED Flow of Funds |
| Retirement Account Contributions | $1.1T | Q4 2025 | ICI |
| Total Personal Saving | $929B | Q4 2025 | FRED PSAVE |
| HSA & 529 Plan Contributions | $121B | Q4 2025 | Devenir |
| Cash & Bank Deposit Growth | -$342B | Q4 2025 | FRED Flow of Funds |