Indicators / Consumer
Personal saving rate
Personal saving as % of disposable personal income.
Current
4.1%
Observation date 2026-08-01
SevereRECENT
Stress
92
Level percentile
Metric: 4.10 · Trend →Stable
History
Percentile 8
Z-score —
History since 1959-01-01
Changes
1W —
1M −0.5 pp
3M −0.3 pp
6M −1.5 pp
12M −1.1 pp
Chart
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Interpretation & scoring
Direction: Lower = thinner household buffers (but a rising rate can also reflect precautionary saving).
Stress metric: Level percentile (lower = more stress).
Mapping: point-in-time historical percentile of the metric (polarity-adjusted). Signal bands: <50 Normal · 50–75 Watch · 75–90 Elevated · ≥90 Severe.
Contribution to scores
| Score | Category / cluster | Weight | Points |
|---|---|---|---|
| Recession Stress | consumer / income | 1.3% | 1.1 |
Sources & timestamps
| Series | Source | ID | Frequency | Last observation | Source last updated | Retrieved |
|---|---|---|---|---|---|---|
| Personal saving rate | U.S. Bureau of Economic Analysis (via FRED) | PSAVERT | Monthly | 2026-08-01 | 2026-09-30 12:43 UTC | 2026-10-18 23:09 UTC |