Personal saving as a percentage of disposable personal income
The Personal Savings Rate measures the percentage of disposable personal income that people are saving
- Calculated as the ratio of personal saving to DPI.
- Personal saving is equal to personal income less personal outlays and personal taxes
- Generally 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
- It is thought that when the PSR goes up, there is pent up consumer demand (and vice versa)
Personal Savings Rate Source:
- Access data on the St. Louis Fed Website:
- Data collected by the U.S. Bureau of Economic Analysis