Household savings rate hits €1 in €8 of disposable income, CSO finds

The seasonally adjusted household saving rate was 12.5% in the first three months of 2026, according to figures released by the Central Statistics Office (CSO).

This represents €1 in €8 of household disposable income across Ireland, although was provisionally estimated.

The saving rate was up from 11.&% in Q4 2o24, but was also close to the average of 12.7% since the start of 2023.

The CSO say that after adjustments regarding seasonal patterns, Irish household disposable incomes increased more than household consumption, from Q4 2025, which led to the higher saving rate.

When it came to consumption, the spend on goods and services was €41bn. This was a decrease of 4.5% in the fourth quarter of 2025.

Mark Mato, Statistician in the National Accounts Analysis & Globalisation Division said: “

Households saved 12.5%, or €1 in €8 of their disposable income in January, February, and March (Q1) 2026, similar to the 12.7% average since the start of 2023. This was an increase on the 11.7% seasonally adjusted household saving rate of Q4 2025.

“Saving can add to a household's overall wealth in the form of buying new homes, growing bank deposits, pension savings, and paying off debt.

The rise in the seasonally adjusted household saving rate from Q4 2025 was due to a greater increase in household disposable income than household final consumption.

Today's results are preliminary and are subject to revision after the publication of the Institutional Sector Accounts for Q1 2026 release in the coming weeks."