Figure 12: Consumer Savings Drawdown — Current Status
U.S. Personal Saving Rate (% of Disposable Income), Monthly, Jan 2019 – Jan 2026
Pre-COVID Baseline
7.2%
2019 average
COVID Peak
31.8%
April 2020
Post-Stimulus Trough
2.2%
June 2022
Current
4.5%
Jan 2026 — below pre-COVID
Source: U.S. Bureau of Economic Analysis via FRED (PSAVERT) / Seafood Datasearch