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Report on the Economic Well-Being of U.S. Households

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Survey of Household Economics and Decisionmaking

Adults who have 3 months emergency savings

Percent

Year All adults
2015 47
2016 48
2017 50
2018 51
2019 53
2020 55
2021 59
2022 54
2023 54

Note: Among all adults.

Adults who have 3 months emergency savings, by education

Percent

Characteristic 2015 2016 2017 2018 2019 2020 2021 2022 2023
Less than a high school degree 23 25 25 24 26 26 30 24 22
High school degree or GED 41 40 42 42 42 44 48 42 41
Some college / technical or associate degree 43 45 44 46 49 49 54 48 48
Bachelor's degree or more 64 64 65 67 70 73 76 73 73

Note: Among all adults.

Adults who have 3 months emergency savings, by race/ethnicity

Percent

Characteristic 2015 2016 2017 2018 2019 2020 2021 2022 2023
Asian 58 64 63 60 68 68 69 67 67
Black 34 34 35 39 38 41 44 40 42
Hispanic 35 38 38 38 39 42 51 43 43
White 52 52 55 56 59 61 64 60 59

Note: Among all adults.

Adults who have 3 months emergency savings, by age

Percent

Characteristic 2015 2016 2017 2018 2019 2020 2021 2022 2023
18-29 35 34 38 36 40 42 46 40 39
30-44 41 43 41 43 44 47 54 48 47
45-59 50 50 51 52 52 53 58 52 54
60+ 60 63 65 66 71 71 73 70 69

Note: Among all adults.

Adults who have 3 months emergency savings, by metro/non-metro status

Percent

Characteristic 2015 2016 2017 2018 2019 2020 2021 2022 2023
Non-metro 42 44 44 44 47 49 51 45 45
Metro 48 49 51 52 54 56 60 55 55

Note: Among all adults.

Adults who have 3 months emergency savings, by parental status

Percent

Characteristic 2015 2016 2017 2018 2019 2020 2021 2022 2023
Parents living with own children under age 18 39 41 41 42 43 47 54 49 47
All other adults 50 51 53 54 57 58 61 56 56

Note: Among all adults.



Data visualization disclaimer

Last Update: May 21, 2024
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