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Provisional estimates show households saved €24bn in 2025 or an average of €2bn per month.
This 13% saving rate was the difference between household total disposable income of €185bn and consumer spending of €161bn, meaning households added more than €1 to their wealth for every €8 of disposable income in 2025.
The Quarter 4 (October, November and December) 2025 seasonally adjusted household saving rate was 10.9%, a decrease on the revised Quarter 3 (Q3) rate of 13.7%, and the lowest rate in over a decade since the 10.7% rate in Q1 2016. This was due to a rise in spending and a decline in disposable income.
For the economy as a whole, unadjusted Gross Domestic Product (GDP) was provisionally estimated at €639bn in 2025, which was €76bn higher (13.5%) than 2024.
Over €200bn of this value added in 2025 flowed out of the domestic economy to corporations' owners abroad as profits and dividends, but Gross National Income (GNI) grew by 4% to €438bn from 2024.
The government surplus was provisionally estimated to be €12.1bn in 2025 of which €9.5bn was in Q4 2025, with a surplus recorded in 12 of the last 16 quarters.
While the current account balance of €52bn was positive in 2025, it was lower than the 2024 figure of €91bn.
The lower current account balance in 2025 was largely due to higher capital investment of €149bn, which was up €44bn from 2024. This capital investment should increase the value added here in future quarters.
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Statistician's Comment
The Central Statistics Office (CSO) has today (10 April 2026) published the Institutional Sector Accounts Non-Financial for Quarter 4 (Q4) 2025.
Commenting on the release, Mark Manto, Statistician in the National Accounts Analysis & Globalisation Division of the CSO, said:
"The seasonally adjusted saving rate of households, which is the proportion of income that is left over after current consumption, was 10.9% in October, November and December (Q4) 2025. This was lower than Q3 2025 (13.7% seasonally adjusted), and lower than the average since the start of 2023. Consumer spending in Q4 was 2% higher compared with Q3 2025 when adjusted for seasonal patterns, while disposable household income was 1% lower. As expenditure rose and incomes decreased, the saving rate declined. Saving in Q4 is more variable due to additional Christmas spending.
For 2025 as a whole, household total disposable income was provisionally estimated at €185bn while consumer spending was €161bn, leaving household saving of €24bn. This resulted in a provisional 2025 saving rate of 13% or €1 in €8 of disposable income.
The economic indicators for the wider economy were positive: unadjusted Gross National Income (GNI) was up 7% in Q4 2025 from a year earlier and 4% across 2025. Gross Domestic Product (GDP) increased by 13% in 2025, but most of this additional value added flowed out to owners abroad, leaving the smaller growth in GNI.
The government surplus was provisionally estimated to be €9.5bn in Q4 2025 and €12.1bn for 2025. There has been a government surplus in 12 of the 16 quarters since Q1 2022 whereas there was a deficit in 12 of the 16 previous quarters back to Q1 2018."