{"id":146550,"date":"2023-07-17T13:57:57","date_gmt":"2023-07-17T12:57:57","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=146550"},"modified":"2026-05-08T15:47:12","modified_gmt":"2026-05-08T14:47:12","slug":"saving-statistics","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/saving-statistics","title":{"rendered":"Savings statistics: Average UK savings in 2026"},"content":{"rendered":"<p>Savings are key to helping people plan their future, deal with accidents and secure a comfortable retirement. So, how much does the average person in the UK have in <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/easy-access-savings\">savings accounts<\/a>?<\/p><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">UK savings statistics: Highlights<\/h3><ul><li>The average savings amount in the UK is \u00a319,214 in 2026.<\/li><li>However, 2 in 5 Brits (39%) have \u00a31,000 or less in savings, and a quarter of Brits (25%) have \u00a3200 or less.<\/li><li>1 in 6 UK adults (16%) have no savings at all, equating to around 8.9 million people.<\/li><li>Men have \u00a323,912 in savings on average, compared to \u00a314,464 for women.<\/li><li>Those aged 18-24 have just \u00a32,699 in savings, while those aged 55 and over have an average of \u00a333,420 in savings.<\/li><li>20% of generation Z adults and 17% of millennials have no savings at all.<\/li><\/ul><\/div><\/article><h3>How much savings does the average person have in the UK?<\/h3><p>According to a 2026 Finder survey, the average person in the UK has just over \u00a319,214 in savings. This is skewed by the over 55s, however, as the average savings for those under 55 is just \u00a39,888. <\/p><p>However, 2 in 5 Brits (39%) have \u00a31,000 or less in savings, meaning they would struggle to cover living expenses for more than a month. A quarter of people in the UK (25) have \u00a3200 or less in savings. <\/p><p>Finder\u2019s research also found that men have a much bigger <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/banking-apps-with-savings-pots\">savings pot<\/a> on average compared to women, at \u00a323,912 compared to \u00a314,464. Women are also less likely to have any savings, with just two-thirds (66%) confirming they have some money set aside, compared to 4 in 5 men (81%).<\/p><h3>What are the average savings by age in the UK?<\/h3><ul><li>18-24 year olds have average savings of \u00a32,699.<\/li><li>25-34 year olds have average savings of \u00a311,023.<\/li><li>35-44 year olds have average savings of \u00a313,379.<\/li><li>45-54 year olds have average savings of \u00a312,452.<\/li><li>55+ year olds have average savings of \u00a333,420.<\/li><\/ul><p>Unsurprisingly, the value of savings generally increases with age. Those aged 18 to 24 have less than \u00a33,000 in savings, according to a 2026 Finder survey, but this jumps up to just over with 25- to 44-year-olds, who have just over \u00a311,000. <\/p><p>The average savings amount then doesn\u2019t significantly increase for 35-44 year olds and 45-54 year olds \u2013 perhaps a result of people hitting milestones, such as buying a house or having children, which require financing. <\/p><p>The average savings amount then more than doubles among those aged 55 and above, who have an average of \u00a333,420.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-fzqRj\" title=\"Brits aged 55+ have an average of \u00a327,949 in savings\" width=\"100%\" height=\"408\" scrolling=\"no\" aria-label=\"Column Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/fzqRj\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Age group<\/th>\n                            <th scope=\"col\">Average savings<\/th>\n                            <th scope=\"col\">% with \u00a31000 or less in savings<\/th>\n                            <th scope=\"col\">% with more than \u00a310,000 in savings<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>18-24<\/td>\n                            <td>\u00a32,699<\/td>\n                            <td>60.9%<\/td>\n                            <td>9.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>25-34<\/td>\n                            <td>\u00a311,023<\/td>\n                            <td>46.2%<\/td>\n                            <td>23.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>35-44<\/td>\n                            <td>\u00a313,379<\/td>\n                            <td>42.8%<\/td>\n                            <td>23.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>45-54<\/td>\n                            <td>\u00a312,452<\/td>\n                            <td>41.0%<\/td>\n                            <td>27.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>55+<\/td>\n                            <td>\u00a333,420<\/td>\n                            <td>27.3%<\/td>\n                            <td>36.8%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div>\n\n \n\n\n<style>\n#newsletter-signup { overflow-x: clip; 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Thanks for signing up.\";\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup', 'signed up', null, undefined, { nonInteraction: false });\n}\n<\/script>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3>How many people in the UK have no savings?<\/h3><p>1 in 6 adults (16%) across the UK have no savings in 2026, which equates to 8.9 million people. Overall, a quarter of Brits (25%) have \u00a3200 or less in savings accounts, which is less than a typical adult spends in a week (\u00a3265).<\/p><p>This is according to ONS research, which found that an average household of 2.35 people spends \u00a3623.30 a week. This means that the typical person spends \u00a31,152 a month, so the 2 in 5 Brits (39%) with \u00a31,000 or less in their savings accounts would find it difficult to survive for more than a month if they needed to rely on their savings.<\/p><div class=\"eeQuote box u-rounded--lg source-external type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 13.2348C28.5036 13.8102 29.7211 14.6733 30.5952 15.8242C31.5317 16.975 32 18.3816 32 20.044C32 22.0899 31.3132 23.8482 29.9396 25.3187C28.6285 26.7253 26.974 27.4286 24.976 27.4286C22.9157 27.4286 21.1987 26.7253 19.8251 25.3187C18.4516 23.9121 17.7648 21.8661 17.7648 19.1808C17.7648 16.3037 18.514 13.043 20.0124 9.3986C21.5109 5.75424 23.6025 2.62138 26.2872 0L30.8762 3.54845Z\" fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                        <img decoding=\"async\" alt=\"Tracey Greyvenstein's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/04\/Tracey-Greyvenstein.jpeg\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" loading=\"lazy\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/04\/Tracey-Greyvenstein.jpeg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/04\/Tracey-Greyvenstein.jpeg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/04\/Tracey-Greyvenstein.jpeg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\">\n                <\/figure>\n\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Case study: The cost of living crisis has impacted Tracey's savings<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"I already have 3 side hustles and am still battling to get by. <\/p><p>I cook for the local squash club, I sell clothes on eBay, I enter competitions and I do online surveys for money.<\/p><p>I am not happy with how much I have saved. I have had to use some of it to pay for things like car insurance, tyres, MOTs, electricity bills and repairs.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <div class=\"eeQuote__authorName\">\n                        Tracey Greyvenstein\n                                            <\/div>\n                                                    <div class=\"eeQuote__authorTitle\">Abingdon<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h3>Which generation has the most people with no savings?<\/h3><p>Generation Z, aged 18-29, has 1 in 5 people (20%) with no savings at all, the highest across the generations. They are followed by Generation X, aged 46-61, with 19% of people with no savings, and Millennials, aged 30-45, where 17% have no savings. <\/p><p>The older generations are less likely to be without savings. 9% of baby boomers, aged 62-80,  while 1 in 10 (10%) from the silent generation, aged 81 and over, are without savings. <\/p><iframe id=\"datawrapper-chart-caRzS\" title=\"Average savings increase with age, but gen X has the most people with no savings\" width=\"100%\" height=\"556\" scrolling=\"no\" aria-label=\"Scatter Plot\" src=\"https:\/\/datawrapper.dwcdn.net\/caRzS\/3\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><h3>What are the average savings by region in the UK?<\/h3><p>People living in the East of England have the highest average savings in the UK in 2026, at an impressive \u00a326,778. <\/p><p>They are followed by the South East, where the average savings amount is \u00a322,404 and Greater London, where the average savings amount is \u00a321,266.<\/p><p>At the other end of the spectrum, those in Northern Ireland have the least in savings according to the survey, with an average of just \u00a38,421, around a third of the average savings of those in the East of England. Residents in Wales also have a comparatively low average savings amount at \u00a312,038.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431-1\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066-1\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431-1\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-Jnhth\" title=\"Those in the Northern Ireland have the lowest amount in savings\" width=\"100%\" height=\"397\" scrolling=\"no\" aria-label=\"Bar Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/Jnhth\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066-1\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Region<\/th>\n                            <th scope=\"col\">Savings<\/th>\n                            <th scope=\"col\">% with \u00a31000 or less<\/th>\n                            <th scope=\"col\">% with no savings<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>East of England<\/td>\n                            <td>\u00a326,778<\/td>\n                            <td>33.0%<\/td>\n                            <td>11.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>South East<\/td>\n                            <td>\u00a322,404<\/td>\n                            <td>37.8%<\/td>\n                            <td>18.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Greater London<\/td>\n                            <td>\u00a321,266<\/td>\n                            <td>34.5%<\/td>\n                            <td>11.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>North West<\/td>\n                            <td>\u00a320,838<\/td>\n                            <td>38.2%<\/td>\n                            <td>15.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>West Midlands<\/td>\n                            <td>\u00a320,181<\/td>\n                            <td>41.7%<\/td>\n                            <td>19.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>South West<\/td>\n                            <td>\u00a319,819<\/td>\n                            <td>35.5%<\/td>\n                            <td>15.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>North East<\/td>\n                            <td>\u00a317,782<\/td>\n                            <td>38.8%<\/td>\n                            <td>15.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>East Midlands<\/td>\n                            <td>\u00a316,173<\/td>\n                            <td>38.5%<\/td>\n                            <td>21.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Scotland<\/td>\n                            <td>\u00a314,642<\/td>\n                            <td>44.6%<\/td>\n                            <td>18.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Yorkshire and The Humber<\/td>\n                            <td>\u00a314,181<\/td>\n                            <td>40.5%<\/td>\n                            <td>16.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Wales<\/td>\n                            <td>\u00a312,038<\/td>\n                            <td>46.7%<\/td>\n                            <td>19.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Northern Ireland<\/td>\n                            <td>\u00a38,421<\/td>\n                            <td>53.6%<\/td>\n                            <td>19.6%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>What are the average savings rates in the UK?<\/h3><p>The <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/inflation-vs-savings\">average savings rates<\/a> offered by providers can vary depending on factors such as the base rate, inflation and how people are spending their money.  <\/p><p>As of April 2026, the average variable cash ISA interest rate is 2%, while the average 1-year fixed-rate ISA had a savings interest rate of 4.26%. The average instant access savings account had an interest rate of 2.11%.<\/p><p>Savings rates began rising in 2022 as the base rate was increased by the Bank of England, and inflation soared. ISA rates peaked in October 2023, with 3.35% for variable cash ISAs and 5.48% for 1-year fixed-rate ISAs, but have since been falling again as inflation has slowed.<\/p><iframe id=\"datawrapper-chart-Cn341\" title=\"Average savings interest rates in the UK, 2021-2024\" width=\"100%\" height=\"430\" scrolling=\"no\" aria-label=\"Bar Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/Cn341\/2\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">Case study database<\/h3><p>Finder\u2019s research team sometimes needs first-hand experiences of personal finances to bring our pages to life. If selected and used for our research, we will pay for your case study.<\/p><p>If you are interested in taking part, you can apply to be included in <a href=\"https:\/\/docs.google.com\/forms\/d\/1zKL7H2vhyv-brvqewPtS3tRbdxIdNPGhXZoMSAlN4dk\/viewform?edit_requested=true#responses\" target=\"_blank\" rel=\"noopener\">our case study database<\/a> or email: ukpr@finder.com<\/p><\/div><\/article><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Savings tips and tricks to keep in mind<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>We\u2019ve outlined some things to consider trying if you want to save regularly.<\/p><h4>Switching providers<\/h4><p>You will often only be on a good deal for your initial contract with a provider before being switched to their standard rate, which is typically a lot more expensive! If you are organised enough to switch when your contracts end, you can save a lot more money in the long run by always taking advantage of the best deals.<\/p><h4>Loyalty points<\/h4><p>Many supermarkets offer loyalty points or rewards, and these can often be spent on restaurants, accommodation and other shops as well as the supermarket itself. Shops such as Boots and Superdrug also offer loyalty points that allow customers to save on future spending.<\/p><h4>Switching providers<\/h4><p>Automated budgeting apps such as Emma help you save money by connecting all your bank accounts in one place. It gives you insights into your spending and lets you know where you might be wasting money. It also calculates how much you can afford to save each month.<\/p><h4>Create savings pots<\/h4><p>Having separate savings pots can also help you to make sure you are saving enough to put towards your monthly bills or another specific event that month. Bank apps such as Monzo and Sterling are very handy for creating these savings pots!<\/p><article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block no-padding-bottom\" style=\"background-color: #f5faff;\">\n<h4 class=\"luna-sectionTitle has-margin-bottom-small\">Case study: Nicola has made simple changes to help her save more<\/h4>\n<div class=\"u-grid\">\n<div class=\"u-grid__col u-1\/4 u-1\/5@s u-1\/6@m no-padding-left no-padding-right\" align=\"center\">\n<img decoding=\"async\" class=\"has-margin-top-xsmall has-margin-bottom-xsmall\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/06\/Nicola-Frapwell-e1687530590938.png\" alt=\"Nicola Frapwell profile pic\" style=\"margin-left: auto; margin-right: auto; border-radius: 50% 0 50% 50%; width: 100px; height: auto !important; max-height: 100px; object-fit: cover; object-position: 50% 50%;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/06\/Nicola-Frapwell-e1687530590938.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/06\/Nicola-Frapwell-e1687530590938.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\">\n<h5 class=\"text-center no-margin-bottom no-margin-top\" style=\"letter-spacing: -0.1px;\">Nicola Frapwell<\/h5>\n<p class=\"text-center fin-text-grey text-small\">West Sussex<\/p><\/div>\n<div class=\"u-grid__col u-3\/4 u-4\/5@s u-10\/12@m\"><p>I always shop around when my broadband, mortgage contracts come to an end to find the best deal possible. I make reminder notes on my phone to make sure I don't forget when my contracts expire so that I can shop around for the best price. Switching broadband has saved me around \u00a36 per month, and using less energy (only washing on full loads, shorter showers, etc.) is saving me approximately \u00a315 per month.<\/p><p>I have also been shopping at Aldi over my usual Tesco's, and I've discovered some great items at a fraction of the cost! Switching supermarkets has saved me around \u00a315 a week. I'm also a mad loyalty fan, and I save up my points when shopping in Boots, Superdrug, etc., to treat myself and put towards Christmas and birthday presents.<\/p><\/div>\n<\/div>\n<\/div>\n<\/article>\n\n<a name=\"first-hand-experience\"><\/a><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What should you do with your savings?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As well as simple tips and tricks, it\u2019s also important to make sure you are saving your money in the most rewarding way, whether that\u2019s a traditional savings account or a stocks and shares ISA.<\/p><h4>Put your money into a good savings account<\/h4><p>Savings accounts are a reliable way to put money away, but you should ensure your money is sitting in an account that pays good interest. Interest rates on savings accounts have been low for the past few years, but they are on the rise, and there are some good deals out there. Fixed-rate savings accounts can sometimes offer higher interest rates than easy-access savings, but you\u2019ll need to assess whether you are comfortable with putting a chunk of your money away for a fixed period.<\/p><p>Some banks also offer good interest rates on regular saver accounts, which can be great for those just starting out on their savings journey. These accounts let you put in a certain amount each month rather than a lump sum.<\/p><h4>Premium bonds<\/h4><p>This is another option where your money isn\u2019t at risk. It works by offering cash prizes every month instead of guaranteed interest, so while you could end up not winning anything, the top prize is \u00a31 million. When you look at the total amount of prizes paid out, the effective interest rate is currently 1.4% each year.<\/p><h4>Consider a stocks and shares or lifetime ISA<\/h4><p>If you are willing to take a riskier option for your money, you might consider putting some of your savings into a stocks and shares ISA. Markets like the FTSE have historically outperformed savings accounts, although your money is also at risk of decreasing with this option.<\/p><p>If you\u2019re saving for a house or retirement, then you should also look at lifetime ISAs, as the government will give a bonus of 25% on what you pay in (up to \u00a34,000 per year).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What is the 50\/30\/20 savings method?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The 50\/30\/20 method is fairly simple. You divide your expenses into 3 categories: needs, wants and savings. The method says that you should budget 50% of your income for fundamentals such as bills, rent and food (needs). You should then designate 30% for hobbies, eating out and other entertainment (wants), while 20% can be dedicated to building up your savings.<\/p><p>For example, based on the <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/salary-statistics\">average monthly take-home pay<\/a> in the UK (\u00a32,191.75), you should allocate \u00a31,095.88 to your needs, \u00a3657.52 to your wants and \u00a3438.35 to your savings.<\/p><h4>Can the average Brit save using the 50\/30\/20 method?<\/h4><p>The 50\/30\/20 method would look more like 60\/30\/10 or 60\/25\/15 for the average UK resident. This is because the cost of needs equals approximately 60% of income, or just over \u00a31,300, rather than the recommended 50%.<\/p><p>We\u2019ve included the following outgoings when looking at the total cost of needs for the average person:<\/p><ul><li>Groceries<\/li><li>Energy bills<\/li><li>Water bill<\/li><li>Council tax<\/li><li>Transport<\/li><li>Mobile phone contract and broadband<\/li><li>TV licence<\/li><li>Insurance<\/li><\/ul><iframe id=\"datawrapper-chart-1axsO\" title=\"Is the 50\/30\/20 saving method possible?\" width=\"100%\" height=\"310\" scrolling=\"no\" aria-label=\"Multiple Pies\" src=\"https:\/\/datawrapper.dwcdn.net\/1axsO\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><h4>Generational differences<\/h4><p>To see if things look better for certain age groups, we looked at the percentage of each generation\u2019s pay cheques that are spent on needs, wants and savings.<\/p><p>18- to 21-year-olds have no chance of using the 50\/30\/20 method if they have the same needs as those in the other. In fact, all the income for a person in this age group would be spent on the needs category!<\/p><p>22- to 29-year-olds are in a slightly better position because they have some spare income for enjoying themselves, but they aren\u2019t able to save very much either. The biggest savers are in the 40-49 category when the average salary is highest, but even they need to spend more than the allocated 50% on their needs.<\/p><p>This assumes an average cost for every person for the most common needs, but certain age groups may have greater monthly outgoings based on their living situation and dependents.<\/p><iframe id=\"datawrapper-chart-2lIQV\" title=\"How does the 50\/30\/20 rule look for different age groups?\" width=\"100%\" height=\"442\" scrolling=\"no\" aria-label=\"Stacked Columns\" src=\"https:\/\/datawrapper.dwcdn.net\/2lIQV\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">More cost of living research<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><a href=\"https:\/\/www.finder.com\/uk\/banking\/disposable-income-around-the-uk\">Disposable income around the UK<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/historical-price-tracker\">Historical price tracker<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/banking\/average-price-of-a-coffee\">Average price of a coffee around the world<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/banking\/cost-of-living-calculator\">Cost of living calculator<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/millionaire-calculator\">Millionaire calculator<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/best-credit-cards\/valentines-day-statistics\">Valentine\u2019s Day spending statistics<\/a><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">Methodology<\/h3><ul><li>Finder commissioned Censuswide to carry out a nationally representative survey of adults aged 18+. A total of 2,000 people were questioned throughout Great Britain between 12 January and 14 January 2026, with representative quotas for gender, age and region. The online survey has a margin of error of \u00b12.2% at a 95% confidence level. Censuswide follows the MRS Code of Conduct, ESOMAR principles, and is a member of the British Polling Council.<\/li><li>To calculate the average spend for a UK adult, Finder took the average weekly spend for a household according to ONS and the average household size of 2.3 people. We then divided savings by household size to get the spend per person.<\/li><\/ul><\/div><\/article><script type=\"text\/javascript\">\n    function addLink() {\n    var body_element = document.getElementsByTagName('body')[0];\n    var selection;\n    selection = window.getSelection();\n    var k = document.location.href\n    var pagelink = \"<br><br> Source: \";\n    var finder = \"finder.com\"\n    var ke = (finder.link(\"https:\/\/www.finder.com\/uk\/\"));\n    var pagelink2 = \"<br> Analysis conducted by finder.com\";\n    var copytext = selection + pagelink + (k.link(document.location.href)) + pagelink2;\n    var newdiv = document.createElement('div');\n    newdiv.style.position='absolute';\n    newdiv.style.left='-99999px';\n    body_element.appendChild(newdiv);\n    newdiv.innerHTML = copytext;\n    selection.selectAllChildren(newdiv);\n    window.setTimeout(function() {\n    body_element.removeChild(newdiv);\n    },0);\n    }\n    document.oncopy = addLink;\n    <\/script>\n  <div data-tags=\"scale-surveys product-data-insight\">\n<h4>Click <a href=\"https:\/\/www.finder.com\/uk\/stats-facts\">here<\/a> for more research. For all media enquiries, please contact \u2013<\/h4>\n\n<p><strong>Matt Mckenna<\/strong><br>\nUK Head of Communications<br>\n<strong>T:<\/strong> +44 20 8191 8806<\/p>\n\n<div class=\"has-margin-bottom\"><a title=\"email Matt\" href=\"mailto:matt.mckenna@finder.com\" class=\"has-margin-right-xsmall\"><svg class=\"luna-icon\"><use xlink:href=\"#mail-fill\" width=\"24\" height=\"24\"><\/use><\/svg><\/a><a title=\"Finder UK (@findercomUK) on X\" href=\"https:\/\/twitter.com\/findercomUK\" target=\"_blank\" class=\"has-margin-right-xsmall\" rel=\"noopener\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><use xlink:href=\"#f1-x\"><\/use><\/svg><\/a><a title=\"Matt Mckenna on LinkedIn\" href=\"https:\/\/www.linkedin.com\/in\/matthewmckenna2\/\" target=\"_blank\" class=\"has-margin-right-xsmall\" rel=\"noopener\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><use xlink:href=\"#f1-linkedin\"><\/use><\/svg><\/a><\/div>\n<\/div> \n\n\n<style>\n#newsletter-fltr-signup { display:none; 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myScrollFunc);\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Our 2026 savings statistics show the average savings amount in the UK is \u00a319,214 but 2 in 5 Brits (39%) have \u00a31,000 or 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