Germans are often described as “world champions of saving,” and new figures back this up. The Federal Statistical Office reported that the savings rate remained high in the first half of 2025 at around 10.3%, meaning that for every €100 of disposable income, about €10.30 was saved.
According to estimates by DZ Bank, the nominal financial assets of German households rose by just over 6% compared to 2024, an increase of about €600 billion, bringing the total to more than €10 trillion for the first time.
Economist Michael Stappel, who compiles the data twice a year for the bank, expects further growth of around 5% in 2026, pushing household wealth to about €10.5 trillion, despite possible declines in stock market gains and a slight drop in the savings rate.
The distribution remains highly unequal: the richest 10% of households hold nearly half of this wealth, while the rest share the remainder.
Sources - Agencies
