Australia · National accounts
What’s left
after household spending?
The household saving ratio shows how much net disposable income households save in aggregate. Explore its history alongside household income and employee compensation.
June quarter 2026 publication edition · Seasonally adjusted · New releases are checked before updating
Depreciation allows for assets wearing out or becoming obsolete. In these measures, “net” means depreciation has been subtracted; it does not simply mean after tax. The national-accounts term for this allowance is “consumption of fixed capital”.
Household saving and income
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What the saving ratio tells us
The ratio is household net saving divided by household net disposable income. Net income allows for the consumption of fixed capital. Saving is the amount left after consumption under the national accounts definitions; it is not simply money paid into bank accounts.
A negative ratio means the household sector spent more than its net disposable income in that quarter. This does not mean every household borrowed, or that every household has the same financial buffer.
Household gross disposable income and compensation of employees are shown separately in current-price dollars. They have not been adjusted for inflation and should not be read as real income per household.
National accounts sources and methods · June quarter 2026 edition