United States · the atlas
Build wealth that outruns inflation.
In September 2026 the average US savings rate was 0.37% while inflation ran at 3.7%. On $10,000 of savings that means losing roughly $333 of purchasing power a year.
Begin with chapter 01 — your starting point →
Avg. savings rate0.38%October 2026
Inflation3.7%September 2026
Real savings return-3.33%September 2026
Federal funds effective rate3.88%2026-11-05
US 10-year Treasury yield4.84%2026-11-05
Five chapters to financial freedom
01Read →
Your starting point
Five questions, one personal snapshot: where you stand and what to do next.
Live figures
DATAOpen →MONTHOpen →
Savings rate vs inflation
Daily updated chart, table and open data.
Monthly briefings
What rates and inflation did this month.
Frequently asked questions
What is the average savings rate in the US now?
0.38% in October 2026 (source: FDIC National Rates (via FRED series SNDR)).
What is the current US inflation rate?
3.7% year over year in September 2026 (BLS CPI-U, not seasonally adjusted (via FRED series CPIAUCNS), 12-month change).
Is the average savings account beating inflation?
No. The real return was -3.33% in September 2026.