# Saver's Atlas

> Is your savings account beating inflation? Live, daily-updated savings rates, inflation and real returns by country, plus free savings, FIRE and tax calculators. Sources: Federal Reserve/FDIC/BLS (via FRED), ECB, Eurostat, Belastingdienst.

## Key facts (updated 2026-11-07)
### United States
- National average savings rate: 0.38% (2026-10, FDIC via FRED SNDR)
- National average 12-month CD: 1.76%
- CPI inflation (CPI-U, y/y): 3.7% (2026-09)
- Real savings return: -3.33% (2026-09)
- Federal funds effective rate: 3.88%; 10-year Treasury: 4.84%
### Netherlands
- Average savings rate (instant access): 1.26% (2026-09, ECB MIR)
- Inflation (HICP, y/y): 3.3% (2026-10, Eurostat)
- Real savings return: -1.74% (2026-09)
- Box 3 2026: allowance €59,357 per person; deemed returns savings 1.28%, other assets 6.0%, debts 2.7%; tax rate 36%

## Real savings return by country
- Malta: savings 1.93%, inflation 2.4%, real return -0.47% (2026-09)
- Estonia: savings 2.36%, inflation 3.1%, real return -0.74% (2026-09)
- Latvia: savings 1.81%, inflation 3.0%, real return -1.19% (2026-09)
- Austria: savings 2.05%, inflation 3.6%, real return -1.55% (2026-09)
- Slovakia: savings 1.39%, inflation 3.0%, real return -1.61% (2026-09)
- Netherlands: savings 1.26%, inflation 3.0%, real return -1.74% (2026-09)
- France: savings 1.55%, inflation 3.4%, real return -1.85% (2026-09)
- Croatia: savings 2.11%, inflation 4.3%, real return -2.19% (2026-09)
- Finland: savings 0.36%, inflation 2.7%, real return -2.34% (2026-09)
- Slovenia: savings 1.33%, inflation 3.7%, real return -2.37% (2026-09)
- Germany: savings 0.76%, inflation 3.3%, real return -2.54% (2026-09)
- Italy: savings 1.38%, inflation 4.2%, real return -2.82% (2026-09)
- Ireland: savings 0.93%, inflation 3.8%, real return -2.87% (2026-09)
- Luxembourg: savings 2.16%, inflation 5.2%, real return -3.04% (2026-09)
- United States: savings 0.37%, inflation 3.7%, real return -3.33% (2026-09)
- Belgium: savings 0.74%, inflation 4.5%, real return -3.76% (2026-09)
- Cyprus: savings 0.03%, inflation 5.2%, real return -5.17% (2026-09)
- Lithuania: savings 0.87%, inflation 6.1%, real return -5.23% (2026-09)

## Pages
- [Country picker & world comparison](https://saversatlas.com/)
- [US hub](https://saversatlas.com/us/) · [US savings vs inflation](https://saversatlas.com/us/savings-rate-vs-inflation/) · [US savings calculator](https://saversatlas.com/us/savings-calculator/) · [US FIRE calculator](https://saversatlas.com/us/fire-calculator/)
- [Netherlands (Dutch)](https://saversatlas.com/nl/) · [Netherlands (English)](https://saversatlas.com/nl/en/) · [Box 3 calculator](https://saversatlas.com/nl/box3-berekenen/) · [Dutch FIRE calculator](https://saversatlas.com/nl/vrijheidsgetal-berekenen/)
- [Start: 5-question wealth check (US)](https://saversatlas.com/us/start/) · [NL](https://saversatlas.com/nl/start/)
- [Compare brokers (US)](https://saversatlas.com/us/compare-brokers/) · [Brokers vergelijken (NL)](https://saversatlas.com/nl/brokers-vergelijken/) · [Compare brokers NL (English)](https://saversatlas.com/nl/en/compare-brokers/)
- [401(k), IRA & HSA limits](https://saversatlas.com/us/tax-advantaged-accounts/)
- [Methodology](https://saversatlas.com/about/)

## Data
- [CSV](https://saversatlas.com/data/rates.csv)
- [JSON](https://saversatlas.com/data/rates.json)