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Who are we? · Groups · United Kingdom

Where do people in families with no savings sit in the income distribution?

29% of people in families with no savings were in the lowest-income fifth before housing costs, against 20% of everyone; 12% were in the highest (April 2024 to March 2025). See how this compares after housing costs.

Evidence last reviewed 31 October 2026

Where they sit

People in families with no savings: share in each income fifth, before housing costs, April 2024 to March 2025
Survey-based evidence · Family Resources Survey, April 2024 to March 2025
  • Lowest-income fifth29%

    Everyone: 20%

  • Second fifth24%

    Everyone: 20%

  • Middle fifth19%

    Everyone: 20%

  • Fourth fifth15%

    Everyone: 20%

  • Highest-income fifth12%

    Everyone: 20%

If this group had the same incomes as everyone else, each bar would be 20%. About 11.0 million people were in this group.

Show the workings and sources
People in families with no savings by income fifth, BHC
FifthShare of group
Lowest-income fifth29.5%
Second fifth23.6%
Middle fifth19.2%
Fourth fifth15.3%
Highest-income fifth12.4%

HBAI Table 3.2db (Family savings and investments). Row label as published: “No savings”.

  • Survey-based: Family Resources Survey 2024/25, UK private households. DWP publishes no confidence intervals for these breakdowns; small groups have wider uncertainty.
  • From FYE 2022 HBAI links survey answers to DWP and HMRC records; earlier years are not comparable (DWP note 1).
  • Fifths rank people, not households: each fifth holds a fifth of individuals, so households in it differ in number and size.
  • Ethnic group is that of the head of household, and ethnic group and region rows are 3-year averages; their sizes are pooled and differ slightly from the latest-year total (DWP note 81).
  • Disability is self-reported limiting long-term illness or condition (DWP note 38).

How has this changed?

No long-run series for this group

DWP’s published time-series tables do not include this group. A series could be built from DWP’s Stat-Xplore service, which holds the years to 2020/21 and from 2021/22 as separate datasets.

Other groups

Income fifths: Lowest-income fifth · Second fifth · Middle fifth · Fourth fifth · Highest-income fifth

All groups · Income, low income and food

Built from official tables and checked by automated tests; it has not yet had independent analytical review. About these numbers.