Some Europeans save a fifth of everything they earn. Others barely save at all. The gap is way bigger than you'd think.
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Why Germans are at the top? • They rent. Germany has the lowest homeownership in the EU (~47% vs 68% avg), so income goes into savings, not a mortgage. • A deeply debt-averse culture shaped by a century of inflation shocks. Saving is the default. (Eurostat, 2024)

Aug 16, 2026 · 11:35 AM UTC

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Why Poland is at the bottom? • The opposite setup. ~88% own their home, so wealth is locked in property, not savings. • Lower incomes and a fast catching-up economy send more of each paycheck to spending. • Double-digit inflation in 2022–23 erased the buffer.
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