Definition: Gross household saving rate

National accounts

The gross household saving rate is calculated by dividing gross saving by gross disposable income. Saving rates can be considered either gross or net of consumption of fixed capital. This analysis focuses on gross measures. It is worth mentioning that the saving rate considered here is a "flow" measure, and does not reflect variations in the "stock" of wealth of households. The holding gains or losses on assets and liabilities, in particular the realised and unrealised gains/losses on equities or real estate, are not included in the national accounts measure of savings.