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UK household consumption, saving and income

What British households do with their money, quarterly since 1963: how much of their income they keep rather than spend — split into pension and non-pension saving, alongside real disposable income — and what the rest goes on, across the twelve COICOP divisions from housing and fuel to transport, food and recreation.

Source: Office for National Statistics (ONS)Last updated: Sep 06, 2026, 16:41Curated by Bui Thanh PhucAbout this data ↓

IndicatorQ1-2026Q4-2025Q3-2025Q2-2025Q1-2025Q4-2024Q3-2024Q2-2024Q1-2024Q4-2023Q3-2023Q2-2023Q1-2023
Saving and income3
Saving ratio28.99.68.99.510.511.1109.38.9776.24.7
Contribution of pension saving4.84.24.74.44.64.64.44.84.74.455.35
Contribution of non-pension saving4.15.44.355.96.65.54.64.22.620.9-0.2
Gross saving44,54547,47143,89546,30551,57554,05047,23743,45740,75731,18630,87127,55220,460
Real disposable income, chained volume438,073441,556436,060439,196442,950445,382438,835431,626430,201421,587419,540420,160414,255
Household final consumption expenditure12
Food and non-alcoholic beverages37,75937,60137,47236,88236,21035,66235,70035,44335,37935,03834,48035,47134,920
Alcoholic beverages and tobacco13,36013,38813,23213,18213,07812,94112,82512,74312,60712,58612,52612,87412,362
Clothing and footwear21,18020,93220,83420,39320,18119,98919,90019,61819,42319,72719,82020,22020,146
Housing, water, electricity and fuels125,179123,839122,608121,013118,984117,145114,546112,346111,522108,769108,345107,872106,681
Furnishings and household equipment19,32719,00418,94318,96518,99419,10818,97418,98118,97818,90219,31819,53319,352
Health9,4979,2429,0838,9018,6548,5448,4288,1987,9877,8867,9817,8827,910
Transport56,74556,18256,09556,09355,02353,80654,06554,52053,11952,26553,40353,00752,255
Communication8,0547,9547,9127,8637,8907,9747,9697,9187,8647,5337,2987,3067,184
Recreation and culture43,45642,97943,18942,89742,54041,88641,25740,70240,21539,13539,01139,06438,953
Education11,94511,74611,59111,42911,26210,81910,65610,50510,35410,1979,9279,7699,562
Restaurants and hotels50,15949,08148,58447,94847,27046,46545,90145,40844,82643,94743,86543,77143,614
Miscellaneous goods and services55,10354,14554,07854,05453,55053,39552,90152,43553,27351,54951,00052,73953,342
Household spending, chained volume12
Food and non-alcoholic beverages34,62734,66434,76134,54634,42934,39634,73034,64334,60234,30534,12935,34336,132
Alcoholic beverages and tobacco11,89112,07412,00212,02212,05612,04512,14412,12912,07412,25712,41612,86912,806
Clothing and footwear20,43020,22420,11819,74719,48819,27519,27018,98418,85919,25819,59520,15320,907
Housing, water, electricity and fuels110,567110,414110,454110,047109,797109,574108,996108,398108,124108,233107,535107,896108,003
Furnishings and household equipment19,45619,13918,99819,04919,04919,20819,13919,12719,11318,85219,36719,40719,479
Health8,4408,3588,2448,0817,9257,9377,9137,7747,6947,6787,9067,9808,095
Transport54,05453,96953,78354,26254,00053,23853,29653,57253,14452,65253,11053,28451,884
Communication7,8267,7957,6987,5577,5127,6357,6667,7007,7767,5187,3067,2267,271
Recreation and culture40,56440,30640,59040,54940,42040,20339,72639,41039,33638,53038,68539,06439,884
Education10,19110,08810,13110,11510,06610,13610,13910,09810,0649,8729,9979,9079,679
Restaurants and hotels44,54244,19944,14143,98943,87443,71443,41143,15143,14443,19743,41844,12144,461
Miscellaneous goods and services52,73652,34952,16652,28052,05252,54652,49052,19852,51951,82551,20552,92952,671

Latest reading

Saving ratio stood at 8.9% in Q1 2026. That is −0.7 pp from Q4 2025 and −1.6 pp from a year earlier. The series on this page is quarterly and runs from Q1 1963 to Q1 2026. Source: Office for National Statistics (ONS).

Latest
8.9%
Q1 2026
vs previous period
−0.7 pp
Q4 2025
vs a year earlier
−1.6 pp

About this data

What British households do with their money, quarterly since 1963: how much of their income they keep rather than spend — split into pension and non-pension saving, alongside real disposable income — and what the rest goes on, across the twelve COICOP divisions from housing and fuel to transport, food and recreation. The saving ratio is the single most-quoted number in the UK national accounts.

Frequently asked questions

What is the UK household saving ratio?
The UK household saving ratio measures the percentage of gross disposable household income that is saved rather than spent on consumption within a given period.
How is UK household spending categorised in this table?
Spending is classified using COICOP divisions, covering housing, water and fuels, food, transport, recreation, clothing, restaurants, health, communication and education.
How does pension saving affect the UK saving ratio?
The table separates the saving ratio into contributions from pension saving and non-pension saving, showing how much saved capital is directed towards retirement funds.
How far back does the UK household consumption and saving data go?
Quarterly UK household consumption expenditure, disposable income and saving ratio series from the Office for National Statistics date back to 1955.
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