Economic Growth•Series ID: GGDPICHDISR•1959–2026
Household Net Saving Ratio - Historical Data
Measures the share of disposable income that Australian households save rather than spend on final consumption each quarter.
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Current Statistics & Historical Records
Latest Reading (2026 Q2)
6.5%
Prev (2026 Q1): 6.4%+0.1 pp
Highest Recorded (2020 Q2)
23.3%
COVID-19 pandemic shock & 0.10% cash rate floor
Lowest Recorded (2006 Q2)
-2.6%
Recorded in 2006 Q2
Long-Run Mean (1959–2026)
9.0%
68 annual observations · Quarterly
Household Net Saving Ratio - Historical Series (1959–2026)
% of disposable incomeDrag to pan, scroll to zoom, or toggle between full annual history (1959–2026) and recent quarterly releases.
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Source: Reserve Bank of Australia (RBA) / Australian Bureau of Statistics (ABS) (GGDPICHDISR) Latest: 6.5 % of disposable income (2026 Q2)
Household Net Saving Ratio by Decade (1959–2026)
Decade averages, peaks, and troughs across Australian economic cycles
1950s1959–1959
14.5%
High (1959):14.5%
Low (1959):14.5%
1960s1960–1969
13.9%
High (1963):14.8%
Low (1965):12.7%
1970s1970–1979
16.0%
High (1973):18.3%
Low (1970):13.6%
1980s1980–1989
11.8%
High (1980):15.2%
Low (1988):7.9%
1990s1990–1999
4.9%
High (1990):8.5%
Low (1999):0.5%
2000s2000–2009
1.2%
High (2009):6.6%
Low (2003):-1.3%
2010s2010–2019
6.2%
High (2011):8.1%
Low (2017):4.6%
2020s2020–2026
8.4%
High (2020):16.5%
Low (2023):2.4%
Household Net Saving Ratio - Historical Table (1959–2026)
Unit: % of disposable income · Source: Reserve Bank of Australia (RBA) / Australian Bureau of Statistics (ABS) (GGDPICHDISR)
| Year | Household Saving Ratio (% of disposable income) | Year Range (Low – High) | Historical Context / Year Snapshot |
|---|---|---|---|
| 2026 | 6.5% | 6.4% – 6.5% | The Australian Economy in 2026 → |
| 2025 | 6.5% | 5.9% – 7.2% | Disinflation & monetary policy recalibration |
| 2024 | 4.1% | 2.8% – 5.5% | The Australian Economy in 2024 → |
| 2023 | 2.4% | 1.8% – 3.4% | The Australian Economy in 2023 → |
| 2022 | 7.9% | 4.1% – 11.2% | Post-pandemic inflation surge & rapid RBA tightening cycle |
| 2021 | 14.6% | 11.5% – 20.1% | The Australian Economy in 2021 → |
| 2020 | 16.5% | 8.6% – 23.3% | COVID-19 pandemic shock & 0.10% cash rate floor |
| 2019 | 5.9% | 4.7% – 7.1% | The Australian Economy in 2019 → |
| 2018 | 4.7% | 4.4% – 5.4% | The Australian Economy in 2018 → |
| 2017 | 4.6% | 4.2% – 5.2% | The Australian Economy in 2017 → |
| 2016 | 5.4% | 5.1% – 5.6% | The Australian Economy in 2016 → |
| 2015 | 6.7% | 5.3% – 7.5% | The Australian Economy in 2015 → |
| 2014 | 7.5% | 7.1% – 7.9% | The Australian Economy in 2014 → |
| 2013 | 6.7% | 6.3% – 7.1% | The Australian Economy in 2013 → |
| 2012 | 6.4% | 5.1% – 7.5% | The Australian Economy in 2012 → |
| 2011 | 8.1% | 7.5% – 8.8% | China mining investment & Terms of Trade supercycle peak |
| 2010 | 6.0% | 4.8% – 7.4% | The Australian Economy in 2010 → |
| 2009 | 6.6% | 5.2% – 8.6% | The Australian Economy in 2009 → |
| 2008 | 4.2% | 1.4% – 9.5% | Global Financial Crisis (GFC) & emergency rate cuts |
| 2007 | 0.0% | -0.5% – 0.7% | The Australian Economy in 2007 → |
| 2006 | -0.7% | -2.6% – 0.5% | The Australian Economy in 2006 → |
| 2005 | 0.5% | -0.7% – 1.1% | The Australian Economy in 2005 → |
| 2004 | -0.6% | -2.2% – 1.3% | The Australian Economy in 2004 → |
| 2003 | -1.3% | -1.6% – -0.8% | The Australian Economy in 2003 → |
| 2002 | -0.5% | -2.1% – 3.8% | The Australian Economy in 2002 → |
| 2001 | 2.8% | 0.7% – 5.5% | The Australian Economy in 2001 → |
| 2000 | 1.0% | -1.5% – 3.7% | Introduction of the 10% Goods and Services Tax (GST) |
| 1999 | 0.5% | -1.2% – 1.9% | The Australian Economy in 1999 → |
| 1998 | 1.3% | -0.4% – 2.4% | The Australian Economy in 1998 → |
| 1997 | 5.3% | 3.7% – 6.3% | The Australian Economy in 1997 → |
| 1996 | 5.7% | 4.6% – 6.5% | The Australian Economy in 1996 → |
| 1995 | 4.3% | 3.2% – 4.8% | The Australian Economy in 1995 → |
| 1994 | 5.9% | 4.8% – 7.2% | The Australian Economy in 1994 → |
| 1993 | 5.2% | 4.3% – 5.8% | RBA formalises 2–3% inflation targeting |
| 1992 | 5.8% | 5.3% – 6.4% | The Australian Economy in 1992 → |
| 1991 | 6.1% | 5.1% – 7.0% | Early 1990s recession ("The recession we had to have") |
| 1990 | 8.5% | 7.5% – 9.4% | Monetary tightening peak (17.5% Cash Rate) |
| 1989 | 8.6% | 6.3% – 10.2% | The Australian Economy in 1989 → |
| 1988 | 7.9% | 6.8% – 8.7% | The Australian Economy in 1988 → |
| 1987 | 8.1% | 6.3% – 9.1% | October 1987 sharemarket crash |
| 1986 | 10.8% | 9.1% – 13.0% | The Australian Economy in 1986 → |
| 1985 | 12.5% | 11.0% – 14.7% | The Australian Economy in 1985 → |
| 1984 | 14.4% | 13.1% – 15.3% | The Australian Economy in 1984 → |
| 1983 | 12.7% | 9.9% – 15.3% | Float of the Australian Dollar & Prices and Incomes Accord |
| 1982 | 13.0% | 11.9% – 14.1% | Early 1980s recession & drought |
| 1981 | 14.5% | 13.4% – 15.1% | The Australian Economy in 1981 → |
| 1980 | 15.2% | 14.3% – 15.8% | The Australian Economy in 1980 → |
| 1979 | 15.6% | 14.9% – 16.6% | The Australian Economy in 1979 → |
| 1978 | 15.4% | 13.5% – 16.5% | The Australian Economy in 1978 → |
| 1977 | 14.1% | 12.7% – 15.5% | The Australian Economy in 1977 → |
| 1976 | 15.9% | 14.7% – 17.3% | The Australian Economy in 1976 → |
| 1975 | 18.2% | 17.6% – 19.6% | The Australian Economy in 1975 → |
| 1974 | 18.1% | 16.1% – 20.2% | 1974 wage explosion & stagflation peak |
| 1973 | 18.3% | 17.5% – 20.2% | First OPEC oil shock |
| 1972 | 15.6% | 13.7% – 17.4% | The Australian Economy in 1972 → |
| 1971 | 15.5% | 14.6% – 16.4% | The Australian Economy in 1971 → |
| 1970 | 13.6% | 11.1% – 14.8% | The Australian Economy in 1970 → |
| 1969 | 14.0% | 13.5% – 14.3% | The Australian Economy in 1969 → |
| 1968 | 13.5% | 9.6% – 16.9% | The Australian Economy in 1968 → |
| 1967 | 14.4% | 12.9% – 16.2% | The Australian Economy in 1967 → |
| 1966 | 13.8% | 12.9% – 14.7% | Decimal currency transition (£ to AUD) |
| 1965 | 12.7% | 11.6% – 14.0% | The Australian Economy in 1965 → |
| 1964 | 14.0% | 13.4% – 14.6% | The Australian Economy in 1964 → |
| 1963 | 14.8% | 13.7% – 16.0% | The Australian Economy in 1963 → |
| 1962 | 14.1% | 13.4% – 14.6% | The Australian Economy in 1962 → |
| 1961 | 14.4% | 13.6% – 15.6% | Menzies credit squeeze |
| 1960 | 13.2% | 12.0% – 14.5% | The Australian Economy in 1960 → |
| 1959 | 14.5% | 13.8% – 15.2% | The Australian Economy in 1959 → |
Related Australian Economic Statistics
Source Information & Methodology
- Primary Institution:
- Reserve Bank of Australia (RBA) / Australian Bureau of Statistics (ABS)
- Dataset / Publication:
- Household Net Saving Ratio (% of Disposable Income)
- Series / Table ID:
- RBA Statistical Table H2 (GGDPICHDISR)
- Release Frequency:
- Quarterly
• Primary source: Reserve Bank of Australia (RBA) / Australian Bureau of Statistics (ABS) - Household Net Saving Ratio (% of Disposable Income) (RBA Statistical Table H2).
• Observation frequency: Quarterly. Annual table values represent calendar year averages.
• Series coverage spans 1959 to 2026 (68 annual observations).
APA Citation:Reserve Bank of Australia & Australian Bureau of Statistics. (2026). Household Net Saving Ratio (% of Disposable Income) (H2: GGDPICHDISR). Retrieved October 2026 from https://www.rba.gov.au/statistics/tables/
Frequently Asked Questions: Household Net Saving Ratio
- What is the current Household Net Saving Ratio?
- As of 2026 Q2, the latest recorded Household Net Saving Ratio is 6.5 (% of disposable income), compared with 6.4 in 2026 Q1.
- What is the highest and lowest Household Net Saving Ratio ever recorded in Australia?
- Across the historical series (1959–2026), the highest observation was 23.3 (% of disposable income) in 2020 Q2, while the lowest was -2.6 (% of disposable income) in 2006 Q2. The long-run historical average is 9.0.
- Where is the official Household Net Saving Ratio data sourced from?
- This series is compiled from Reserve Bank of Australia (RBA) / Australian Bureau of Statistics (ABS) (Household Net Saving Ratio (% of Disposable Income), Series ID: GGDPICHDISR) and is updated on a quarterly basis under CC BY 4.0 International / RBA Terms.