National income not consumed
13,901NBS · 2025 release ↗
yuan per person · 2025
Society · household finances
Household savings
This page subtracts per-capita consumption expenditure from disposable income within the same annual household survey. The result is income not consumed—not bank-deposit growth and not a national-accounts household saving rate.
National unconsumed-income share
32.05%
of per-capita disposable income
Urban unconsumed-income share
36.52%
2025
Urban–rural share gap
19.36
percentage points · 2025
Transparent derivation
Income not consumed = disposable income − consumption expenditureThe share divides that residual by disposable income for the same year and geography. Every derived point retains both input data IDs, its source and formula.
Not equal to
Household deposit stocks or new deposits
Whole-economy gross savings rates
Internationally comparable national-accounts household saving rates
How to read the trend
The nominal residual rose, while the share peaked in 2020
5,676 → 13,901
National income not consumed per person
A 144.91% nominal increase from 2014 to 2025. These are current-price values, not an equivalent increase in real purchasing power.
34.11%
Local peak in 2020
The national survey-based share peaked in 2020 and eased to 32.05% in 2025.
+1,805
The 2019–2020 arithmetic
Disposable income rose by 1,456 yuan while consumption expenditure fell by 349 yuan, mechanically increasing the residual by 1,805 yuan. This is an arithmetic decomposition, not a causal claim.
2014–2025 trend
Income, consumption and income not consumed
Switch among national, urban and rural residents. All three lines use the same annual NBS household-survey release.
Source: NBS · 2014 communiqué ↗ · NBS · 2025 release ↗ · NBS annual household income and consumption releases, 2014–2025; current-price yuan per personchinainfigures.com
Survey-based share
Income not consumed as a share of disposable income
One formula is used for national, urban and rural residents. This is not a national-accounts saving rate.
Source: NBS · 2014 communiqué ↗ · NBS · 2025 release ↗ · Same-year income minus consumption, divided by income; two-decimal derivationchinainfigures.com
2025 structure
How disposable income splits into consumption and income not consumed
Each stacked bar sums to per-capita disposable income.
Source: NBS · 2025 release ↗ · current-price yuan per person; consumption plus income not consumed equals disposable incomechinainfigures.com
Exact 2025 values
National, urban and rural household-survey results
| Scope | Disposable income | Consumption expenditure | Income not consumed | Share |
|---|---|---|---|---|
| National residents | 43,377 | 29,476 | 13,901 | 32.05% |
| Urban residents | 56,502 | 35,869 | 20,633 | 36.52% |
| Rural residents | 24,456 | 20,259 | 4,197 | 17.16% |
Average boundary
Per-capita is not the median household
Survey averages reflect income distribution, household size and population-composition changes.
Price boundary
A current-price residual is not real purchasing power
Income, consumption and the residual are all current-price values. This page does not deflate the time series.
Financial boundary
Income not consumed is not deposit change
Households may hold cash, wealth products or securities, or repay debt. Financial balance-sheet changes cannot be inferred directly from this residual.
Downloads and revisions
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Page data
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Includes registered formal points, available historical series and scalar derived metrics. UTF-8 encoded for spreadsheets and analysis tools.
Download CSV ↓Data file updated: 3 Aug 2026
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Public record
Revision and update timeline
Household savings local candidate extended to 2014
Extended the same-source NBS household-survey income, consumption and transparent derived residual series to 2014-2025. The 2013 communiqué remains excluded because its headline urban and rural concepts are not one same-definition six-value set.
Related sources: National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗ · National Bureau of Statistics of China ↗
Machine validated; not human editorial approval
Data downloads and revision timeline added
Added page-level formal-data CSV files, chart-level CSV/PNG/SVG exports and a bilingual revision timeline to all indicator pages.
Machine validated; not human editorial approval