EU countries by household saving rate (gross)

Malta had the highest household saving rate (gross) of 27 EU countries in 2022, at 19.1%. Romania had the lowest, at -7.6%. The median was 11.1% and the figure for the European Union (27) was 12.7%. Source: Eurostat, European Commission.

Highest19.1Malta

Lowest-7.6Romania

Median11.127 EU countries

European Union (27)12.7History

Map of EU countries, 2022

Under -7
-7 to -6.1
-6.1 to 0
0 to 8.7
8.7 to 15
15 and over

%, 2022. 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, 2022

%. Source: Eurostat, Key indicators for sector accounts, gross household saving rate, households and NPISH (nasa_10_ki). Retrieved 2026-10-18.

Full ranking

Rank	EU countries	2022 (%)	Change on 2021
1	Malta Provisional	19.1	-3.6 pts
2	Germany	18.6	-3.1 pts
3	Czechia	18.2	-1.4 pts
4	France	16.5	-2.2 pts
5	Sweden	16.2	-1.4 pts
6	Hungary	16.1	-2.3 pts
7	Austria	15.2	-2.1 pts
8	Ireland	14.6	-6.8 pts
9	Netherlands	14.6	-4.6 pts
10	Slovenia	14	-3 pts
11	Luxembourg	13.4	-4.6 pts
12	Belgium	12.9	-3.7 pts
13	Italy	11.6	-4.2 pts
14	Denmark	11.1	+4.3 pts
15	Finland	10	-2.5 pts
16	Spain	9	-5.3 pts
17	Croatia	8	-4.7 pts
18	Portugal	7.3	-3.6 pts
19	Slovakia	6	-5.4 pts
20	Cyprus	5.6	-9.2 pts
21	Lithuania	4.8	-5.4 pts
22	Latvia	3.8	-6.6 pts
23	Estonia	2	-6.4 pts
24	Poland	1	-4.1 pts
25	Greece	-5	-9.4 pts
26	Bulgaria	-6.6	-1.1 pts
27	Romania	-7.6	-5.8 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), 2022) [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), 2022. 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=2022. 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), 2022. 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=2022.

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), 2022 [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=2022 (Accessed: 18 October 2026).

BibTeX

@misc{eurostat_eu_countries_by_household_2022,
  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), 2022}},
  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=2022. 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), 2022
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=2022
Y2  - 2026/10/18
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-saving-rate/eu-countries?period=2022.
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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Rank EU countries by household saving rate (gross) using official data, and cite the source.

rank_places {"indicator":"household_saving_rate","level":"country","within":"European Union (27)","limit":10}
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Questions

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

Malta, with 19.1% in 2022, according to Eurostat, European Commission.

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

Romania, with -7.6% in 2022.

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.