Home/Consumer/Income & Spending

Income, Spending & Debt

How US households are earning, spending, saving, and borrowing — income & consumption (nominal and real), saving rate, interest payments, consumer credit, revolving debt, and 90+ day delinquencies. Source: BEA via FRED; NY Fed.

Latest data …

Click a legend chip to toggle a series · every chart exports to CSV & PNG

Personal Income & Consumption — Nominal MoM

% change MoM; income, disposable income, consumption — current dollars

↓ PNG ↓ CSV

Source: U.S. Bureau of Economic Analysis via FRED — personal income, DPI, PCE (nominal).

Personal Income & Consumption — Real MoM

% change MoM; chained 2017 dollars — deflated by the PCE price index

↓ PNG ↓ CSV

Source: U.S. Bureau of Economic Analysis via FRED — real personal income, DPI, PCE.

Personal Saving Rate

Personal saving as a % of disposable personal income, monthly, SA

↓ PNG ↓ CSV

Source: U.S. Bureau of Economic Analysis via FRED — personal saving rate.

Personal Interest Payments

Personal interest payments, $ billions, SAAR

↓ PNG ↓ CSV

Source: U.S. Bureau of Economic Analysis via FRED — personal interest payments (B069RC1).

Consumer Credit — Household Debt Less Mortgage

Stacked area, $ trillions: credit card, home equity, auto, student, other — total line over the stack

↓ PNG ↓ CSV

Source: Federal Reserve Bank of New York — Quarterly Report on Household Debt and Credit (non-mortgage components).

Revolving Consumer Credit — Total & YoY %

Dual axis — left: total revolving credit ($T, SA); right: YoY % change

↓ PNG ↓ CSV

Source: Federal Reserve G.19 via FRED — revolving consumer credit (REVOLSL).

Percent of Balances 90+ Days Delinquent

Credit card, mortgage, auto, student — % of category balance, quarterly

↓ PNG ↓ CSV

Source: Federal Reserve Bank of New York — Quarterly Report on Household Debt and Credit, 90+ day delinquency.