Economy · Money market funds and savings

Household Cash and Deposits as a Percent of Income

Name: Household Cash and Deposits as a Percent of Income
Creator: Federal Reserve Bank of St. Louis (FRED)

Currency, deposits and money fund shares, % of disposable income: 85.70% (Q2 2026).
A year earlier: 84.47% (Q2 2025), a change of +1.24 pts.
Highest on record here: 99.05% (Q1 2022); lowest: 56.13% (Q2 1953).

Year	Average	Year close
1946	72.95%	72.95%
1947	71.03%	71.03%
1948	63.74%	63.74%
1949	64.07%	64.07%
1950	60.13%	60.13%
1951	58.33%	58.33%
1952	56.81%	57.09%
1953	57.45%	58.80%
1954	59.76%	60.82%
1955	59.48%	59.39%
1956	58.92%	59.03%
1957	59.21%	60.11%

Source: FRED BOGZ1FL154000026Q (Households and Nonprofit Organizations; Total Currency and Deposits Including Money Market Fund Shares as a Percentage of Disposable Personal Income; Asset, Level). Federal Reserve Bank of St. Louis.

Gray bands mark U.S. recessions as dated by the NBER (FRED USREC).

The interactive chart loads with JavaScript. All charts