German Household Savings Rate Hits 18.9%, Above EU Average
Wiesbaden – October 28, 2026 -- German households saved 18.9% of their gross disposable income in 2025, 4.6 percentage points above the European Union average of 14.3%, according to the Federal Statistical Office (Destatis), which published the data ahead of World Savings Day on Oct. 30/31.
Germany ranks above France, the Netherlands, Austria and Italy
French households saved 17.8% of disposable income in 2025, Dutch households 17.4% and Austrian households 15.7%. Italy recorded 10.8%. Switzerland posted 27.4%, the highest among the countries comparable to Germany. Destatis attributes the Swiss figure to the greater role of private retirement provision there. The United States recorded 10.7%.
Ten-year average of 19.1% confirms Germany's saving habit
German households saved 19.1% of income on average over the past ten years. Every comparison country had a lower long-term figure: