Household Saving Rate in Japan increased to 3.90 percent in the fourth quarter of 2025 from 0 percent in the third quarter of 2025. Personal Savings in Japan averaged 3.20 percent from 1994 until 2025, reaching an all time high of 23.00 percent in the fourth quarter of 1994 and a record low of -11.70 percent in the first quarter of 2014. source: Cabinet Office, Japan

Personal Savings in Japan is expected to be 1.00 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Japan Household Saving Ratio is projected to trend around 5.00 percent in 2027 and 4.50 percent in 2028, according to our econometric models.



Related Last Previous Unit Reference
Bank Lending Rate 3.15 3.05 percent Jun 2026
Consumer Confidence 33.80 33.60 points Jun 2026
Consumer Credit 62267.10 60712.00 JPY Billion Mar 2026
GDP Private Consumption 310270.50 309199.80 JPY Billion Mar 2026
Disposable Personal Income 493.68 453.45 JPY Thousand Apr 2026
Gasoline Prices 1.05 1.06 USD/Liter Jun 2026
Household Spending YoY -0.40 -0.50 percent May 2026
Household Spending MoM 3.70 1.60 percent May 2026
Households Debt to GDP 61.10 61.10 percent of GDP Dec 2025
Personal Savings 3.90 0.00 percent Dec 2025
Retail Sales MoM 1.90 2.10 percent May 2026
Retail Sales YoY 5.30 2.80 percent May 2026


Japan Household Saving Ratio
In Japan, Household Saving Ratio corresponds to the ratio of income saved to net disposable income during a certain period of time.
Actual Previous Highest Lowest Dates Unit Frequency
3.90 0.00 23.00 -11.70 1994 - 2025 percent Quarterly
NSA