Overview
- Four in five adults in Germany say they save regularly, according to a representative YouGov survey for Postbank of 2,004 people conducted in September.
- Nearly two thirds of savers, 62.8%, judge their savings inadequate for emergencies or retirement.
- Many set aside only small amounts each year, with 14% saving under €500 and 25% saving €500 to €2,500.
- A quarter of savers, 25.8%, say their funds would cover at most two months of living costs, well below the three to six months Deutsche Bank strategist Ulrich Stephan recommends.
- High living costs are the main reason respondents give for falling short, and consumer prices rose 2.4% year on year in September 2025.