The trend since 2019.
The current read: Real Disposable Income YoY is at 0.02% as of May 2026. Source: FRED/BEA via Indicators IQ.
Why it matters.
When real disposable income stalls, your actual purchasing power stops growing, making it harder to save, invest, or maintain your lifestyle despite nominal wage increases. This squeeze directly affects how much financial breathing room you have for discretionary spending and long-term financial goals.
Where it fits.
Real Disposable Income YoY feeds the Consumer view — one of the six areas behind the site's Macro IQ score.