The trend over time.
The latest available read: Real Disposable Income YoY is at 1.30% as of August 2026. Source: FRED · DSPIC96. CSV and PNG downloads cover the selected date range.
What Real Disposable Income YoY measures.
The year-over-year percentage change in real disposable personal income: what households have left after taxes, adjusted for inflation, from the BEA.
It shows whether household purchasing power is rising. Spending can run ahead of income for a while by drawing down savings or borrowing, but not indefinitely.
Why it matters.
This directly affects your purchasing power and ability to save. When real disposable income stalls, it signals that wage gains aren't keeping pace with inflation, squeezing household budgets and likely dampening consumer spending.
Where it fits.
Real Disposable Income YoY is covered on the Consumer page.