Where in Europe do households save most of their income?

People save for several reasons, helping them build wealth and prepare for unexpected expenses. A recent study revealed that almost two-thirds of Europeans save for precautionary reasons, while retirement is the dominant motive for half of them.

So, in which European countries do people save the most? And how much of their disposable income do Europeans actually set aside?

Net household saving represents the portion of household income that is not spent on final consumption.

According to the OECD, net household saving rates vary widely across Europe. In 2024 or 2025, they range from -9.3% in Greece to 14.7% in Sweden and Hungary, compared with an EU average of 8.1%.

Greece: Where spending outpaces income