Savings trends among Spanish families
In 2025, Spanish households experienced a noticeable decline in their accumulated savings. Over the past twelve months, the average savings rate dropped by 18%. While in 2024 families were able to set aside about 17.8% of their income, that figure now stands at just 14.6%. In monetary terms, this amounts to €292 per month, which is €50 less than the previous year.
Regional differences in savings habits
Despite the overall decrease, most people in the country continue to save regularly. According to the survey, 81% of respondents said they manage to save part of their income each month, although in smaller amounts. The highest proportion of families able to save was recorded in Extremadura (92%), Cantabria and Navarra (86% each). Meanwhile, in the Valencian Community, the Canary Islands, and Andalusia this figure does not exceed 77%.
Looking at savings as a share of income, Aragón leads with 19%. It is followed by Asturias (18.3%) and Castilla y León (17.4%). In Andalusia and the Canary Islands, this rate does not even reach 11%.
Key reasons for declining savings
The majority of respondents attribute the decrease in savings to rising mandatory expenses and insufficient income levels. This view is shared by 85% of survey participants. Additionally, 61% cite the need to pay off debts, while 47% note the impact of unexpected expenses. The greatest concern is caused by spending on food and electricity. These categories rank much higher in terms of anxiety than water, gas, internet, and mortgage payments.
Strategies for saving money and conserving energy
Faced with constant pressure on household budgets, many Spaniards are looking for ways to cut costs. Among the most common measures are switching to LED light bulbs (63%), making active use of natural lighting (61%), as well as reducing water consumption and turning off heating or air conditioning at night. More than half of households use these methods to optimize their budgets.
Experts note that in the current climate, sound financial management and increasing financial literacy are especially important for ensuring family stability.
