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

EU countries by household saving rate (gross)

Malta had the highest household saving rate (gross) of 27 EU countries in 2021, at 22.8%. Bulgaria had the lowest, at -5.6%. The median was 14.8% and the figure for the European Union (27) was 16.3%. Source: Eurostat, European Commission.

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Highest22.8Malta
Lowest-5.6Bulgaria
Median14.827 EU countries
European Union (27)16.3History

Map of EU countries, 2021

Austria: 17.3 %Belgium: 16.6 %Bulgaria: -5.6 %Cyprus: 14.8 %Czechia: 19.6 %Germany: 21.6 %Denmark: 6.8 %Estonia: 8.4 %Spain: 14.3 %Finland: 12.5 %France: 18.7 %Greece: 4.4 %Croatia: 12.7 %Hungary: 18.4 %Ireland: 21.4 %Italy: 15.7 %Lithuania: 10.2 %Luxembourg: 18 %Latvia: 10.4 %Malta: 22.8 %Netherlands: 19.1 %Poland: 5.1 %Portugal: 11 %Romania: -1.8 %Sweden: 17.6 %Slovenia: 17 %Slovakia: 11.4 %
  • Under -3.7
  • -3.7 to 0
  • 0 to 12
  • 12 to 18
  • 18 and over
%, 2021. 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, 2021

Malta: 22.8 %Malta22.8Germany: 21.6 %Germany21.6Ireland: 21.4 %Ireland21.4Czechia: 19.6 %Czechia19.6Netherlands: 19.1 %Netherlands19.1France: 18.7 %France18.7Hungary: 18.4 %Hungary18.4Luxembourg: 18 %Luxembourg18Sweden: 17.6 %Sweden17.6Austria: 17.3 %Austria17.3Slovenia: 17 %Slovenia17Belgium: 16.6 %Belgium16.6Italy: 15.7 %Italy15.7Cyprus: 14.8 %Cyprus14.8Spain: 14.3 %Spain14.3Croatia: 12.7 %Croatia12.7Finland: 12.5 %Finland12.5Slovakia: 11.4 %Slovakia11.4Portugal: 11 %Portugal11Latvia: 10.4 %Latvia10.4Lithuania: 10.2 %Lithuania10.2Estonia: 8.4 %Estonia8.4Denmark: 6.8 %Denmark6.8Poland: 5.1 %Poland5.1Greece: 4.4 %Greece4.4Romania: -1.8 %Romania-1.8Bulgaria: -5.6 %Bulgaria-5.6Malta: 22.8 %Malta22.8Germany: 21.6 %Germany21.6Ireland: 21.4 %Ireland21.4Czechia: 19.6 %Czechia19.6Netherlands: 19.1 %Netherlands19.1France: 18.7 %France18.7Hungary: 18.4 %Hungary18.4Luxembourg: 18 %Luxembourg18Sweden: 17.6 %Sweden17.6Austria: 17.3 %Austria17.3Slovenia: 17 %Slovenia17Belgium: 16.6 %Belgium16.6Italy: 15.7 %Italy15.7Cyprus: 14.8 %Cyprus14.8Spain: 14.3 %Spain14.3Croatia: 12.7 %Croatia12.7Finland: 12.5 %Finland12.5Slovakia: 11.4 %Slovakia11.4Portugal: 11 %Portugal11Latvia: 10.4 %Latvia10.4Lithuania: 10.2 %Lithuania10.2Estonia: 8.4 %Estonia8.4Denmark: 6.8 %Denmark6.8Poland: 5.1 %Poland5.1Greece: 4.4 %Greece4.4Romania: -1.8 %Romania-1.8Bulgaria: -5.6 %Bulgaria-5.6
%. Source: Eurostat, Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki). Retrieved 2026-10-18.

Full ranking

RankEU countries2021 (%)Change on 2020
1Malta Provisional22.8-1.4 pts
2Germany21.6-1.2 pts
3Ireland21.4-4.4 pts
4Czechia19.6+0.8 pts
5Netherlands19.1-3 pts
6France18.7-1.4 pts
7Hungary18.4+1.8 pts
8Luxembourg18-7.9 pts
9Sweden17.6-0 pts
10Austria17.3-1.9 pts
11Slovenia17-5.6 pts
12Belgium16.6-2.4 pts
13Italy15.7-1.9 pts
14Cyprus14.8+1.2 pts
15Spain14.3-3.4 pts
16Croatia12.7-0.6 pts
17Finland12.5-2 pts
18Slovakia11.4-0.3 pts
19Portugal11-1.1 pts
20Latvia10.4-3.6 pts
21Lithuania10.2-1.5 pts
22Estonia8.4-4.6 pts
23Denmark6.8-2.4 pts
24Poland5.1-7.7 pts
25Greece4.4+3.8 pts
26Romania-1.8-3.3 pts
27Bulgaria-5.6-4.5 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), 2021) [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), 2021. 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=2021. 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), 2021. 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=2021.

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), 2021 [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=2021 (Accessed: 18 October 2026).

BibTeX
@misc{eurostat_eu_countries_by_household_2021,
  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), 2021}},
  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=2021. 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), 2021
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=2021
Y2  - 2026/10/18
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-saving-rate/eu-countries?period=2021.
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)?

Malta, with 22.8% in 2021, according to Eurostat, European Commission.

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

Bulgaria, with -5.6% in 2021.

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