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Households saved €2.5 billion in Q4

In Quarter 4 2025, the seasonally adjusted household saving rate was 12.4%, or €1 in €8, of household disposable income, CSO data shows.

This saving rate was down from a revised 14.2% in Q3 2025, and below the average of 13.0% since the start of 2023.

After adjustments for seasonal patterns, Irish household consumption increased 2% from Q3 2025 while incomes were flat -0.1%, leading to the lower saving rate. 

Household saving was 12.4% in October, November and December (Q4) 2025, compared with a revised 14.2% in Q3 2025.

This is lower than the average level since the start of 2023.

Real assets

Household saving can be added to wealth as real assets (such as new homes), or financial assets (such as deposits), or as paying off liabilities (such as mortgage debt).

In Q4 2025, before adjusting for seasonality or inflation, households saved €2.5 billion.