Flat incomes and higher consumer expenditure during the final months in 2025 led to a decline in the country’s household savings rate, new data from the Central Statistics Office (CSO) shows. Between October and December, the seasonally adjusted household saving rate was 12.4%, the equivalent of €1 saved for every €8 of household disposable income. According to the CSO, in the fourth quarter of 2025, household consumption was up 2% — compared to the previous quarter — while incomes were largely flat, down 0.1%. “The saving rate tends to be more variable in quarter four each year due to additional household spending at Christmas. The provisional 2025 saving rate was 13.6%, similar to 2024 and higher than 2023,” he said.

Source: Irish Examiner March 16, 2026 12:44 UTC