10 indicators
U.S. consumer spending, income and saving
Personal income, spending on goods and services, the saving rate and household income from the Bureau of Economic Analysis and the Census Bureau show how American households are earning and spending.
Latest: as of Aug 2026, consumer spending had risen 6.1% from a year earlier.
Data retrieved from FRED®, Federal Reserve Bank of St. Louis. Snapshot taken Oct 27, 2026, 6:41 PM EDT.
Consumer spending (PCE)
6.1%
12-month change
$22.31T Aug 2026 · was 5.7% in Jul 2026
Personal consumption expenditures add up what households spend on goods and services, shown as a yearly rate. Consumer spending makes up roughly two-thirds of GDP.
View chart →Personal saving rate
4.1%
Percent
-0.5 pt Aug 2026 vs. Jul 2026
The saving rate is the share of after-tax income that households do not spend. It spiked in 2020 when spending fell and stimulus payments arrived.
View chart →Real disposable income
1.3%
12-month change
$18.41T Aug 2026 · was 1.5% in Jul 2026
Real disposable income is what households have left after taxes, adjusted for inflation. It shows whether people's spending power is actually growing.
View chart →Median household income
$87,460
Inflation-adjusted dollars
+2.6% 2025 vs. 2024
Real median household income is the income of the household right in the middle of the distribution, adjusted for inflation. The Census Bureau publishes it once a year, usually in September, for the previous calendar year.
View chart →Real consumer spending
2.6%
12-month change
$16.96T Aug 2026 · was 2.3% in Jul 2026
This is monthly personal consumption expenditures adjusted for inflation, in chained 2017 dollars at an annual rate. It shows whether households are buying more goods and services, not just paying more.
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Spending on durable goods
7.3%
12-month change
$2.44T Aug 2026 · was 5.3% in Jul 2026
This is consumer spending on long-lasting goods such as vehicles, furniture, appliances and electronics, in current dollars at an annual rate.
View chart →Spending on services
5.9%
12-month change
$15.36T Aug 2026 · was 5.9% in Jul 2026
This is consumer spending on services such as housing, health care, transportation, recreation and financial services, in current dollars at an annual rate. Services are about two-thirds of consumer spending.
View chart →Personal income
4.3%
12-month change
$27.63T Aug 2026 · was 4.5% in Jul 2026
Personal income is the income households receive from wages, businesses, investments, rent and government benefits, before taxes, in current dollars at an annual rate.
View chart →Real personal income excluding transfers
0.8%
12-month change
$17.05T Aug 2026 · was 0.9% in Jul 2026
This is personal income minus government benefits such as Social Security and unemployment insurance, adjusted for inflation. It is one of the indicators used to date recessions.
View chart →Real disposable income per person
1.1%
12-month change
$53,674 Aug 2026 · was 1.3% in Jul 2026
This is after-tax personal income per resident, adjusted for inflation, in chained 2017 dollars at an annual rate.
View chart →Not financial advice. Values are as published by each agency and may be revised.
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