Household Finances
How UK households earn, save, spend and borrow. Official data from the ONS.
Saving Ratio
8.9%
Observation: Jan 2026
Source: Office for National Statistics
Real Disposable Income
£454,359
Observation: Jan 2026
Source: Office for National Statistics
Household Consumption
£419,235
Observation: Jan 2026
Source: Office for National Statistics
Debt to Income
117.4%
Observation: Jan 2025
Source: Office for National Statistics
These measures track the financial health of UK households. The saving ratio is the share of disposable income households save rather than spend, and the debt-to-income ratioshows how large household debt is relative to annual income — both measured in per cent. Real disposable income and household consumption are inflation-adjusted (chained volume) figures in £ millions, so they can be compared on the same chart.
Add any of these to Chart Studio to compare income against spending directly.
Income & Saving
Share of households' gross disposable income that is saved rather than spent, seasonally adjusted. ONS UK Economic Accounts.
Households' disposable income after inflation, chained volume measure (2023 prices), seasonally adjusted, £m per quarter. ONS.
Spending
Household final consumption expenditure, chained volume measure, seasonally adjusted, £m per quarter. ONS.
Real disposable income and consumption share the same unit (£m, chained volume). Plot them together to see when households spend more than their income grows.
Compare in Chart StudioDebt
Total household financial debt as a percentage of gross disposable income, annual. ONS UK Economic Accounts.
The debt-to-income ratio compares how much households owe with how much they earn in a year. A ratio of 100% means household debt equals a full year of disposable income.
It climbed steeply through the 2000s housing boom, peaked before the 2008 financial crisis, and has since come down as households deleveraged. This series is annual and not seasonally adjusted.
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Compare income, saving, spending and debt over time. Add any indicator with a matching unit as an extra line.
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