It’s often said that millions of people in the UK don’t save enough – with one in ten adults saving no money at all. That figure from a 2025 report from the Financial Conduct Authority regulator came with a warning that it’s leaving people walking a financial tightrope.
The UK household saving ratio (the proportion of income available but not spent) stood at 11.1% in 2024, below the EU average of around 14.5%. This gap shows the importance of encouraging a savings habit among the UK population.
