What is the adjusted disposable income per capita in 2025?

In 2025, the adjusted disposable income per inhabitant reached CHF 65,124, the highest level in the entire historical series published by the Federal Statistical Office. This figure reflects the total value of income available to households after adding up all incomes, subtracting current taxes and social contributions, and adding the value of free or subsidized public services from which citizens benefit.

Why has saving increased so much in recent years?

After moderate growth in the late 1990s and the first decade of the 2000s, the savings rate began to gradually strengthen. The decisive turning point came during the pandemic, when restrictions on consumption increased household provisions. After the end of the health emergency, savings did not return to previous levels, but continued to grow, a sign of a consolidated financial capacity over time.

How much do people in Switzerland save on average?

According to UST data for 2025, each person living in Switzerland spent about CHF 53,000 and set aside almost CHF18,000. Of these, about 12,600francs represent voluntary savings (personal choice), while the rest is due to mandatory provisions related to the social security system.

Do all Swiss people benefit equally from this economic growth?

No. Although the data reflect a positive national average, there are significant differences between regions, income brackets, and types of household economies. Rising housing costs, sick pay premiums, and other mandatory expenses continue to weigh heavily on many households.

How has the pandemic affected the saving behaviour of the Swiss?

During the pandemic, consumption restrictions significantly increased household provisions. After the health emergency, savings did not return to previous levels, but continued to grow. This indicates that the pandemic has consolidated a new propensity to save that persists to this day.

The Swiss have never earned and saved as much as they do today (cross-border guide)

Di Redazione Frontaliere Ticino · Published on 5 September 2026

Swiss family examines financial documents and investment charts on laptop in a bright living room

For the first time, disposable income exceeds CHF 65,000 and the voluntary savings rate is 19.3%. The UST data confirms the historical record.

Context

In brief

Corrected disposable income 2025: 65'124 francs, first time above 65'000
Voluntary savings rate at 19.3%, double that of 30 years ago
Growth since 1995: +36% net of inflation

Key facts

What: Corrected disposable income and savings behavior of Swiss households
When: Data updated to 2025, published Tuesday by the Federal Statistical Office
Where: All of Switzerland (national average)
Who: Federal Statistical Office (FSO)
Disposable income 2025: 65'124 francs per inhabitant
Voluntary savings 2025: 19.3% of corrected gross disposable income
Growth 1995-2025: +36% net of inflation

For the first time in modern history, the corrected disposable income of Swiss residents has exceeded the 65'000 franc mark per inhabitant. In 2025, according to data published Tuesday by the Federal Statistical Office (FSO), this indicator reached 65'124 francs, representing the highest level in the entire available historical series.

Even more significant is the behavior regarding earned money. The voluntary savings rate of Swiss households has reached 19.3%, almost double the 9.7% recorded thirty years earlier. It is the highest value ever recorded in Switzerland.

Over the past three decades, corrected disposable income per inhabitant has grown steadily. Net of inflation, the growth between 1995 (when it was 40'083 francs) and 2025 corresponds to almost 36%. The average purchasing power of Swiss residents today is therefore much higher than that of a generation ago.

The growth of the overall savings rate has been even more pronounced. In 1995 it was at 19.6%, while in 2025 it reached 27.4%. This means that more than a quarter of the resources available to families is set aside as savings.

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Operational details

The role of the pandemic and the change in behavior

The propensity to save has followed an interesting path over the last few decades. After a phase of moderate growth between the late 1990s and the first decade of the 2000s, the propensity to save began to strengthen gradually. But the real turning point came during the pandemic, when restrictions on consumption significantly increased household savings.

What is surprising, however, is that once the health emergency ended, there was no return to previous values. On the contrary: savings continued to increase significantly. This is a sign of financial capacity that has consolidated over the years and was not temporarily due solely to restrictions.

Translated into concrete numbers: every person living in Switzerland in 2025 spent about 53,000 francs and saved nearly 18,000 francs, of which about 12,600 francs in the form of voluntary savings. These are figures that reflect widespread economic solidity, although the differences between regions and social categories remain significant.

Mandatory costs and regional disparities

The overall picture of well-being hides complexities. Swiss households not only earn more but also have greater margins to accumulate wealth, deal with unexpected events, and plan for the future. The growth of well-being appears more marked than suggested by the mere increase in income.

However, this portrait describes a national average and erases the concrete difficulties of many families. The increase in housing costs, health insurance premiums, and other mandatory expenses continues to represent a significant burden on many households. The differences between regions and social categories remain marked, and not all Swiss people benefit equally from the increase in average disposable income.

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Key points

What does it mean to have increasing savings margins

The UST data shows that every person living in Switzerland in 2025 spent around 53,000 francs and saved nearly 18,000 francs. Although these figures represent a national average, they provide an important benchmark for the individual citizen. Having 27.4% of the corrected gross disposable income available as total savings means having margins to accumulate wealth, deal with unexpected events, and plan for the future.

However, these margins are unevenly distributed. The increase in housing costs, health insurance premiums, and other mandatory expenses significantly reduces the savings margins for many families. The national average hides the fact that some citizens have much higher savings margins, while others struggle to cover essential expenses.

How to evaluate your personal savings

For the individual Swiss citizen, the data provided by the UST offers a useful benchmark. If your annual savings are less than 18,000 francs (the average), it might be worth evaluating where your resources are going. If it is higher, it means you are in a more privileged financial situation compared to the average.

The components of savings include both voluntary savings (the average 12,600 francs) and mandatory savings linked to the pension system. Distinguishing between these two categories helps to understand how much personal leeway is actually available for conscious choices.

Long-term planning

Looking at historical data, the growth of disposable income and the savings rate over the last thirty years suggests a positive long-term trend. In 1995, the corrected disposable income per capita was 40,083 francs; in 2025, it reached 65,124 francs, with a 36% increase net of inflation.

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Frequently Asked Questions

What is the adjusted disposable income per capita in 2025?: In 2025, the adjusted disposable income per inhabitant reached CHF 65,124, the highest level in the entire historical series published by the Federal Statistical Office. This figure reflects the total value of income available to households after adding up all incomes, subtracting current taxes and social contributions, and adding the value of free or subsidized public services from which citizens benefit.
Why has saving increased so much in recent years?: After moderate growth in the late 1990s and the first decade of the 2000s, the savings rate began to gradually strengthen. The decisive turning point came during the pandemic, when restrictions on consumption increased household provisions. After the end of the health emergency, savings did not return to previous levels, but continued to grow, a sign of a consolidated financial capacity over time.
How much do people in Switzerland save on average?: According to UST data for 2025, each person living in Switzerland spent about CHF 53,000 and set aside almost CHF18,000. Of these, about 12,600francs represent voluntary savings (personal choice), while the rest is due to mandatory provisions related to the social security system.
Do all Swiss people benefit equally from this economic growth?: No. Although the data reflect a positive national average, there are significant differences between regions, income brackets, and types of household economies. Rising housing costs, sick pay premiums, and other mandatory expenses continue to weigh heavily on many households.
How has the pandemic affected the saving behaviour of the Swiss?: During the pandemic, consumption restrictions significantly increased household provisions. After the health emergency, savings did not return to previous levels, but continued to grow. This indicates that the pandemic has consolidated a new propensity to save that persists to this day.