Report on the Economic Well-Being of U.S. Households
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 |
| 2024 | 55 |
| 2025 | 55 |
Note: Among all adults.
Adults who have 3 months emergency savings, by education
Percent
| Characteristic | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Less than a high school degree | 23 | 25 | 25 | 24 | 26 | 26 | 30 | 24 | 22 | 24 | 21 |
| High school degree or GED | 41 | 40 | 41 | 41 | 41 | 43 | 48 | 42 | 40 | 40 | 42 |
| Some college / technical or associate degree | 43 | 45 | 46 | 47 | 50 | 50 | 55 | 49 | 49 | 51 | 51 |
| Bachelor's degree or more | 64 | 64 | 65 | 67 | 70 | 73 | 76 | 73 | 73 | 74 | 72 |
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 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asian | 58 | 64 | 63 | 60 | 68 | 68 | 69 | 67 | 67 | 69 | 68 |
| Black | 34 | 34 | 35 | 39 | 38 | 41 | 44 | 40 | 42 | 41 | 38 |
| Hispanic | 35 | 38 | 38 | 38 | 39 | 42 | 51 | 43 | 43 | 44 | 43 |
| White | 52 | 52 | 55 | 56 | 59 | 61 | 64 | 60 | 59 | 60 | 61 |
Note: Among all adults.
Adults who have 3 months emergency savings, by age
Percent
| Characteristic | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 18-29 | 35 | 34 | 38 | 36 | 40 | 42 | 46 | 40 | 39 | 36 | 37 |
| 30-44 | 41 | 43 | 41 | 43 | 44 | 47 | 54 | 48 | 47 | 50 | 49 |
| 45-59 | 50 | 50 | 51 | 52 | 52 | 53 | 58 | 52 | 54 | 54 | 55 |
| 60+ | 60 | 63 | 65 | 66 | 71 | 71 | 73 | 70 | 69 | 72 | 71 |
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 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Non-metro | 42 | 44 | 44 | 44 | 47 | 49 | 51 | 45 | 45 | 48 | 49 |
| Metro | 48 | 49 | 51 | 52 | 54 | 56 | 60 | 55 | 55 | 56 | 56 |
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 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Parents living with own children under age 18 | 39 | 41 | 41 | 42 | 43 | 47 | 54 | 49 | 47 | 49 | 47 |
| All other adults | 50 | 51 | 53 | 54 | 57 | 58 | 61 | 56 | 56 | 57 | 57 |
Note: Among all adults.
Last Update: May 13, 2026