Americans put aside 4.1 cents of every dollar of income left after taxes in August 2026. Drag the slider to your own rate and see how long a rainy-day fund really takes when saving is all you rely on.
Drag across the chart (or tap it) to pick a month. The dashed line is the rate you set above, and the slider jumps to the month you pick.
Average monthly rate in each decade, and the cushion time that average would imply.
Personal saving rate, monthly, seasonally adjusted: US Bureau of Economic Analysis, via FRED series PSAVERT, 812 monthly values from January 1959 to August 2026, downloaded 25 October 2026. The rate is personal saving as a share of disposable personal income. Cushion time = months of target spending / 12 x (1 - rate) / rate, which assumes spending equals income minus saving, a constant rate and monthly compounding at the interest rate you choose (default none). Figures get revised. This is arithmetic, not advice.