Am I saving enough?
Enter your personal saving rate. We'll show you where it ranks against 29 OECD economies — and what your next 1% could compound to.
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Are you saving enough?
Enter the share of your take-home pay that you actually save. See where that ranks against 29 OECD economies — and what your next 1% would compound to.
How 29 OECD economies save
Each bar is one OECD economy's 2024 net household saving rate, from Sweden at the top to New Zealand at the bottom. Enter your own rate to draw a line across the chart.
What the savings map actually says
Sweden: 16.0%. New Zealand: -1.3%.
A 17-point spread across developed economies. Saving is a choice shaped by systems, not a personality trait.
Sweden's saving rate grew ~8× in 20 years.
From 2.3% to 16% since 2004 — proof that a country's saving rate can change dramatically when pension systems and incentives do.
Americans save 4.9%. Mexicans save 8.1%.
Mexican households save almost double what their richer northern neighbours do. Wealth and saving discipline are not the same thing.
Two OECD economies save less than zero.
New Zealand and South Africa show net-negative household saving — households as a whole drawing down past savings to cover today's spending.
The OECD average sits around 5.9%.
If you save more than ~6% of take-home pay, you're already above the typical developed-economy household.
One extra point of saving, compounded 30 years at 7%, ≈ 1 year off retirement.
The gap between 5% and 10% isn't about lifestyle. It's about when — not if — you can stop working.
Which country has the highest household savings rate?+
Why is the U.S. savings rate so low compared to Europe?+
What does a negative savings rate mean?+
Is my personal savings rate really comparable to these numbers?+
Where does this data come from?+
Does this include saving through a pension scheme?+