Household Saving Rate in Germany decreased to 10.10 percent in the first quarter of 2026 from 10.30 percent in the fourth quarter of 2025. Personal Savings in Germany averaged 12.05 percent from 1960 until 2026, reaching an all time high of 20.30 percent in the second quarter of 2020 and a record low of 7.80 percent in the first quarter of 1960. source: Deutsche Bundesbank

Personal Savings in Germany is expected to be 10.20 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Germany Personal Savings Ratio is projected to trend around 10.50 percent in 2027 and 10.40 percent in 2028, according to our econometric models.



Related Last Previous Unit Reference
Bank Interest Rate 4.02 3.98 percent Apr 2026
GfK Consumer Confidence -29.80 -33.10 points Jun 2026
Consumer Credit 236859.00 237345.00 EUR Million Mar 2026
Consumer Spending 483.20 483.02 EUR Billion Mar 2026
Disposable Personal Income 673.65 670.87 EUR Billion Mar 2026
Gasoline Prices 2.33 2.51 USD/Liter May 2026
Households Debt to GDP 49.10 49.20 percent of GDP Sep 2025
Households Debt to Income 75.29 77.75 percent Dec 2024
Personal Savings 10.10 10.30 percent Mar 2026
Private Sector Credit 3912200.00 3901400.00 EUR Million Mar 2026
Retail Sales MoM -0.30 -0.30 percent Apr 2026
Retail Sales YoY -0.30 -0.20 percent Apr 2026


Germany Personal Savings Ratio
In Germany, Personal Savings correspond to the ratio of personal income saved to personal net disposable income during a certain period of time.
Actual Previous Highest Lowest Dates Unit Frequency
10.10 10.30 20.30 7.80 1960 - 2026 percent Quarterly
Seasonally Adjusted,2021