New provisional estimates from the Central Statistics Office show that households saved a total of €24 billion last year - an average of €2 billion per month.
For 2025 as a whole, household total disposable income was provisionally estimated at €185 billion while consumer spending was €161 billion, leaving household saving of €24 billion.
This resulted in a provisional 2025 saving rate of 13% or €1 in €8 of disposable income, the CSO added.
Today's CSO figures show that the seasonally adjusted household saving rate fell to 10.9% in the fourth quarter of 2025, a decrease on the revised third quarter rate of 13.7%.
The fourth quarter figure marked the lowest rate of savings in over a decade since the 10.7% rate in the first quarter of 2016.
The CSO said this was due to a rise in spending and a decline in disposable income.
