Federal Statistical Office · Household Budget Survey (HABE)
How much can households save on average?
Explore the data
Compare Swiss household figures
Each value is an arithmetic mean for all private households in Switzerland. The two measures come from the same verified survey. They are not individual bills or medians.
SavingGross income
Gaps mark survey-method changes. Cross-break growth and apparent relationships require caution. Tap the graph or move the year control to inspect the actual values.
These HABE household averages are national. Canton-level premiums from other sources use different definitions.
Explore by canton
Canton data: pooled 2020–2021. Swiss chart: annual through 2023.
About this data
Where does it fit in the household budget?
Start with disposable income, subtract consumption and other insurance, fees and transfers, then add irregular income. Housing is already inside consumption; taxes and compulsory premiums have already been deducted.
Income, household types and the full budget (German)
How the budget adds up
| How the budget adds up | CHF / month | Source cell |
|---|---|---|
| Gross income | 10 341 | 2022-2023!G30 |
| Social contributions | −1 062 | 2022-2023!G34 |
| Taxes | −1 245 | 2022-2023!G35 |
| Compulsory health premiums | −689 | 2022-2023!G36 |
| Transfers to other households | −159 | 2022-2023!G37 |
| Disposable income | 7 186 | 2022-2023!G40 |
| Consumption | −5 049 | 2022-2023!G48 |
| Other insurance, fees and transfers | −538 | 2022-2023!G43 |
| Irregular income | 136 | 2022-2023!G60 |
| Saving | 1 736 | 2022-2023!G63 |
Saving = disposable income − consumption − other insurance, fees and transfers + irregular income.
Housing and energy are included in consumption above. Do not subtract them again.
Amounts are displayed rounded. Calculations and downloads use the source precision.
How has this amount changed?
Nominal household averages, not adjusted for inflation. Gaps mark survey method changes in 2015 and 2022; changes are not automatically statistically significant.
Read the annual values
| Year | CHF / month | Share of gross household income (%) | Source precision class |
|---|---|---|---|
| 2023 | 1 736 | 16.8 | d |
| 2022 | 1 546 | 15.6 | c |
| 2021 | 1 705 | 17.4 | c |
| 2020 | 1 746 | 17.7 | c |
| 2019 | 1 240 | 13.0 | d |
| 2018 | 1 416 | 14.8 | d |
| 2017 | 1 313 | 13.9 | d |
| 2016 | 1 382 | 14.7 | d |
| 2015 | 1 208 | 13.0 | d |
| 2014 | 1 544 | 15.3 | d |
| 2013 | 1 329 | 13.2 | d |
| 2012 | 1 318 | 13.1 | e |
| 2011 | 1 209 | 12.6 | d |
| 2010 | 1 170 | 12.2 | d |
| 2009 | 1 158 | 12.4 | d |
| 2008 | 1 028 | 11.3 | d |
| 2007 | 875 | 9.6 | d |
| 2006 | 842 | 9.9 | d |
The source assigns precision classes: a <1%, b 1–<2%, c 2–<5%, d 5–<10%, e ≥10% coefficient of variation. This is not a confidence interval. An absent class remains unknown.
Understand the measure
Where does it fit in the household budget?
Start with disposable income, subtract consumption and other insurance, fees and transfers, then add irregular income. Housing is already inside consumption; taxes and compulsory premiums have already been deducted.
What does this measure cover?
The HABE saving balance is income left after the recorded expenses, including irregular receipts. It is not a bank-account balance, a wealth stock or a median. Some households spend more than they receive.
Does the average describe my household?
No. It averages different household sizes, incomes and living arrangements. It is neither a median nor a figure per person. A positive average saving does not mean every household can save.
Source, method and downloads
Federal Statistical Office · Household Budget Survey (HABE)
Original dataset · Official source workbook · FSO budget definitions
Source licence · Download annual values (CSV) · Values, source cells and provenance (JSON)
RKS calculation: amount ÷ mean gross household income × 100. This is a ratio of national household averages, not the average of individual households’ percentage burdens.
The source assigns precision classes: a <1%, b 1–<2%, c 2–<5%, d 5–<10%, e ≥10% coefficient of variation. This is not a confidence interval. An absent class remains unknown.
Survey estimates in current prices. Household size and circumstances differ; these are not individual bills or a recommended budget.
Source checked 2026-10-30. The registered HABE source is checked every six hours; compatible updates refresh these pages.