Asset Building Financial Inclusion Report

Measuring Savings

Development depends on saving. But what exactly is saving, and how is it measured? This paper defines saving and describes several measures of financial savings. The measures account for the passage of time and for the three stages of saving: putting in (depositing), keeping in (maintaining a balance), and taking out (withdrawing). Together, the different measures capture how people move financial resources through time.

Project: American Dream Policy Demonstration (ADD)


Schreiner, M. (2001). Measuring savings (CSD Report No. CYSAPD 01-4).  St. Louis, MO: Washington University, Center for Social Development.