Data / Rankings / Household saving rate (gross) / EU countries

EU countries by household saving rate (gross)

Germany had the highest household saving rate (gross) of 27 EU countries in 2018, at 18%. Romania had the lowest, at -12.7%. The median was 10.5% and the figure for the European Union (27) was 11.6%. Source: Eurostat, European Commission.

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Highest18Germany
Lowest-12.7Romania
Median10.527 EU countries
European Union (27)11.6History

Map of EU countries, 2018

Austria: 13.4 %Belgium: 10.9 %Bulgaria: 2.9 %Cyprus: 4 %Czechia: 11.5 %Germany: 18 %Denmark: 9.5 %Estonia: 10.9 %Spain: 6.1 %Finland: 9.3 %France: 13.5 %Greece: -7 %Croatia: 9.4 %Hungary: 15.5 %Ireland: 12.5 %Italy: 10.5 %Lithuania: -2.7 %Luxembourg: 12.4 %Latvia: 6.8 %Malta: 11.1 %Netherlands: 13.7 %Poland: 5 %Portugal: 6.9 %Romania: -12.7 %Sweden: 15.2 %Slovenia: 13.6 %Slovakia: 10.2 %
  • Under -8.9
  • -8.9 to -5.6
  • -5.6 to 0
  • 0 to 9.5
  • 9.5 to 12
  • 12 and over
%, 2018. Red areas are below zero and blue areas above it. Source: Eurostat, Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki). Boundaries: Natural Earth (public domain).

All EU countries, 2018

Germany: 18 %Germany18Hungary: 15.5 %Hungary15.5Sweden: 15.2 %Sweden15.2Netherlands: 13.7 %Netherlands13.7Slovenia: 13.6 %Slovenia13.6France: 13.5 %France13.5Austria: 13.4 %Austria13.4Ireland: 12.5 %Ireland12.5Luxembourg: 12.4 %Luxembourg12.4Czechia: 11.5 %Czechia11.5Malta: 11.1 %Malta11.1Estonia: 10.9 %Estonia10.9Belgium: 10.9 %Belgium10.9Italy: 10.5 %Italy10.5Slovakia: 10.2 %Slovakia10.2Denmark: 9.5 %Denmark9.5Croatia: 9.4 %Croatia9.4Finland: 9.3 %Finland9.3Portugal: 6.9 %Portugal6.9Latvia: 6.8 %Latvia6.8Spain: 6.1 %Spain6.1Poland: 5 %Poland5Cyprus: 4 %Cyprus4Bulgaria: 2.9 %Bulgaria2.9Lithuania: -2.7 %Lithuania-2.7Greece: -7 %Greece-7Romania: -12.7 %Romania-12.7Germany: 18 %Germany18Hungary: 15.5 %Hungary15.5Sweden: 15.2 %Sweden15.2Netherlands: 13.7 %Netherlands13.7Slovenia: 13.6 %Slovenia13.6France: 13.5 %France13.5Austria: 13.4 %Austria13.4Ireland: 12.5 %Ireland12.5Luxembourg: 12.4 %Luxembourg12.4Czechia: 11.5 %Czechia11.5Malta: 11.1 %Malta11.1Estonia: 10.9 %Estonia10.9Belgium: 10.9 %Belgium10.9Italy: 10.5 %Italy10.5Slovakia: 10.2 %Slovakia10.2Denmark: 9.5 %Denmark9.5Croatia: 9.4 %Croatia9.4Finland: 9.3 %Finland9.3Portugal: 6.9 %Portugal6.9Latvia: 6.8 %Latvia6.8Spain: 6.1 %Spain6.1Poland: 5 %Poland5Cyprus: 4 %Cyprus4Bulgaria: 2.9 %Bulgaria2.9Lithuania: -2.7 %Lithuania-2.7Greece: -7 %Greece-7Romania: -12.7 %Romania-12.7
%. Source: Eurostat, Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki). Retrieved 2026-10-18.

Full ranking

RankEU countries2018 (%)Change on 2017
1Germany18+0.6 pts
2Hungary15.5+2.4 pts
3Sweden15.2+1.1 pts
4Netherlands13.7+0.7 pts
5Slovenia13.6+0.6 pts
6France13.5-0.1 pts
7Austria13.4+0.6 pts
8Ireland12.5-2.1 pts
9Luxembourg12.4-0.9 pts
10Czechia11.5+0.8 pts
11Malta11.1-1 pts
12Estonia10.9+2.9 pts
13Belgium10.9-0.2 pts
14Italy10.5-0.3 pts
15Slovakia10.2+2.9 pts
16Denmark9.5-0.1 pts
17Croatia9.4+0.5 pts
18Finland9.3+0.7 pts
19Portugal6.9+0.4 pts
20Latvia6.8+1.1 pts
21Spain6.1-0.2 pts
22Poland5-0.5 pts
23Cyprus4+1.5 pts
24Bulgaria2.9+3.6 pts
25Lithuania-2.7+1.3 pts
26Greece-7-2.8 pts
27Romania-12.7-6.7 pts

Other periods

About this ranking

Gross saving of households divided by their gross disposable income adjusted for the change in pension entitlements, as a percentage. Gross saving is the part of disposable income that is not spent on final consumption.

Gross: before deducting the depreciation of dwellings and other fixed assets households own. A negative rate means households spent more than their income. From the annual sector accounts (ESA 2010). Households include non-profit institutions serving households. The latest years are often provisional and are revised with later transmissions.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. Equal values share a rank.

How to cite

Eurostat. Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki). https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table. Retrieved 2026-10-18.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

Eurostat, European Commission. (2026). Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki) (EU countries by household saving rate (gross), 2018) [Data set]. Retrieved October 18, 2026, from https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table

MLA 9

Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki), EU countries by household saving rate (gross), 2018. Eurostat, European Commission, 14 Oct. 2026, https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table. Invokely, https://invokely.ai/rankings/household-saving-rate/eu-countries?period=2018. Accessed 18 Oct. 2026.

Chicago (author-date)

Eurostat, European Commission. 2026. Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki). EU countries by household saving rate (gross), 2018. Dataset. Accessed October 18, 2026. https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table. Also distributed by Invokely, https://invokely.ai/rankings/household-saving-rate/eu-countries?period=2018.

Harvard

Eurostat, European Commission (2026) Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki), EU countries by household saving rate (gross), 2018 [Dataset]. Available at: https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table, via Invokely: https://invokely.ai/rankings/household-saving-rate/eu-countries?period=2018 (Accessed: 18 October 2026).

BibTeX
@misc{eurostat_eu_countries_by_household_2018,
  author = {{Eurostat, European Commission}},
  title = {{Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa\_10\_ki): EU countries by household saving rate (gross), 2018}},
  year = {2026},
  howpublished = {Data set},
  url = {https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table},
  urldate = {2026-10-18},
  note = {Accessed via Invokely, https://invokely.ai/rankings/household-saving-rate/eu-countries?period=2018. Publisher attribution: Eurostat. Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa\_10\_ki). https://ec.europa.eu/eurostat/databrowser/view/nasa\_10\_ki/default/table. Retrieved 2026-10-18.},
}
RIS
TY  - DATA
AU  - Eurostat, European Commission
TI  - Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki): EU countries by household saving rate (gross), 2018
PY  - 2026
DA  - 2026/10/14
PB  - Eurostat, European Commission
DB  - Invokely
UR  - https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table
L2  - https://invokely.ai/rankings/household-saving-rate/eu-countries?period=2018
Y2  - 2026/10/18
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-saving-rate/eu-countries?period=2018.
N1  - Publisher attribution: Eurostat. Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki). https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table. Retrieved 2026-10-18.
ER  -
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Questions

Which EU country has the highest household saving rate (gross)?

Germany, with 18% in 2018, according to Eurostat, European Commission.

Which EU country has the lowest household saving rate (gross)?

Romania, with -12.7% in 2018.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: Eurostat, European Commission, Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki). Retrieved 2026-10-18.

EU countries: more rankings