Many people keep saving the same amount even if their financial situation has improved. How much you can afford to save depends on your current circumstances. Below you can see average monthly savings amounts per different age groups. Figures are based on our customers in April 2026.
Young adults (aged 25 to 35) save 90–130 euros per month on average.
Many of them save for the deposit for their first home. If you save less than 50 euros, even small changes in your everyday routine can help you increase your savings amount. For example, if you make coffee or lunch at home, you can save tens of euros more every month.
People with a family (aged 35 to 50) typically put aside 130–160 euros per month.
Many of them save for family holidays and hobbies or prepare for unexpected expenses. Child benefits, bonuses and tax refunds offer you a good opportunity to grow your savings in addition to your monthly savings amount.
Established professionals (aged 50 to 65) often save more than 160 euros per month.
Many people of this age start a new chapter in life: their home loan payments decrease or they have repaid their home loan and their children move away from the family home. These changes can add up to a lot of extra money to save.
There’s no need to worry if you have less savings than others in your age group. The most important thing is to continue saving regularly.
The effect of compounding can work wonders for you. If you invest 50 euros more a month for 25 years in an instrument assumed to return an average of 7% per year*, your additional investment alone could grow to around 39,000 euros. You would have invested 15,000 euros of your own money but thanks to the effect of compounding, you’d have 24,000 euros more. The sooner you start, the more you can benefit from compounding.
| Savings amount per month | EUR 25 | EUR 50 | EUR 100 | EUR 200 |
| Saved amount in 10 years | EUR 3,000 | EUR 6,000 | EUR 12,000 | EUR 24,000 |
| Value of savings with a return of 7%, 10 yrs* | EUR 4,300 | EUR 8,600 | EUR 17,200 | EUR 34,400 |
| Saved amount in 25 years | EUR 7,500 | EUR 15,000 | EUR 30,000 | EUR 60,000 |
| Value of savings with a return of 7%, 25 yrs* | EUR 19,600 | EUR 39,300 | EUR 78,700 | EUR 157,400 |
*Historically, the equity markets have delivered an average annual return of around 7%. It’s good to remember that the value of your investments may rise or fall. In some years you get a high return on your investments and in some years you make a loss. However, in the long term the average return is usually positive.
Inflation, or the increase in the general price level, erodes purchasing power. When you invest in funds, you can protect your savings from rising prices better than with just a savings account. Increasing your savings amount can help you stay ahead of inflation.
Regular saving also adds flexibility to your personal finances. You can always decrease your monthly savings amount if your circumstances change.
When you have a monthly savings agreement to save in funds, saving takes care of itself. You don’t need to transfer money or make decisions every month.
Life changes all the time, but your savings amount often remains the same year after year. Even if your income increases or expenses decrease, you don’t necessarily remember to adjust your savings to match your new circumstances. You should stop and think if your financial situation has changed in a way that could enable you to save more money regularly.
Here are some questions to think about:
Adjust your savings amount quickly and easily:
This is an advertisement. The information provided on this website is intended as general product information only and does not constitute investment advice or recommendations. Past performance is not a guarantee of future results. The value of investment products may increase or decrease due to market movements, and it is not certain that you will get back the entire amount you invested. Before making any investment decisions, you should read the relevant prospectus and key investor information documents for more details about the investment product.
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