US household financial pressure, monthly
Monthly US household financial-pressure panel, 2005-01 through 2026-07, built from three public-domain US federal series (the FRED series TDSP/PSAVERT/DSPIC96, retrieved from the original releases): the household debt-service ratio (percent of disposable personal income, quarterly, carried as-of to months), the personal saving rate PSAVERT (percent, SAAR), and real disposable personal income DSPIC96 (billions of chained 2017 dollars, SAAR). Ships ML-ready derived features: discretionary_income_proxy_bn (real DPI after required debt-service payments), financial_pressure_index (trailing-10-year z-score composite of debt burden vs saving rate; positive = tighter than the last decade), and 12-month changes. Base values transcribed verbatim from the official source releases (2026-09-28); derived columns are this connector's transformation.
- Rows
- 259
- Columns
- 12
- Source cadence
- Monthly
- Last refreshed
- Sep 29, 2026
- Theme
- economy
| Column | Type | Description |
|---|---|---|
| date | date | Month of observation (first of month). (unit: date) |
| country | string | Country name, always United States. |
| country_code | string | ISO 3166-1 alpha-3 country code, always USA. |
| debt_service_ratio_pct | float | FRED series TDSP: household debt service payments as a percent of disposable personal income (mortgage + consumer required payments ÷ disposable income), retrieved from the Board of Governors of the Federal Reserve System, release 'Household Debt Service Ratios' (Data Download Program). Quarterly, seasonally adjusted; each month carries its quarter's value (see debt_service_asof_quarter). (unit: percent) |
| debt_service_asof_quarter | string | The TDSP quarter backing debt_service_ratio_pct (YYYYQN). The not-yet-published tail carries the last published quarter. |
| saving_rate_pct | float | FRED series PSAVERT: personal saving as a percentage of disposable personal income (BEA Account Code A072RC), retrieved from the U.S. Bureau of Economic Analysis, release 'Personal Income and Outlays', Table 2.6 line 35. Monthly, seasonally adjusted annual rate. (unit: percent) |
| real_disposable_income_bn_ch2017 | float | FRED series DSPIC96: real disposable personal income, retrieved from the U.S. Bureau of Economic Analysis, release 'Personal Income and Outlays', Table 2.6 line 37. Monthly, seasonally adjusted annual rate. (unit: billions of chained 2017 dollars) |
| discretionary_income_proxy_bn | float | Derived: real_disposable_income_bn_ch2017 x (1 - debt_service_ratio_pct/100) — the share of real DPI left after required debt-service payments. Connector-defined transformation. (unit: billions of chained 2017 dollars) |
| saving_rate_yoy_pp | float | Derived: 12-month change of saving_rate_pct in percentage points. Connector-defined transformation. (unit: percentage points) |
| real_dpi_yoy_pct | float | Derived: 12-month percent change of real_disposable_income_bn_ch2017. Connector-defined transformation. (unit: percent) |
| discretionary_income_yoy_pct | float | Derived: 12-month percent change of discretionary_income_proxy_bn. Connector-defined transformation. (unit: percent) |
| financial_pressure_index | float | Derived composite gauge: (z(debt_service_ratio_pct) - z(saving_rate_pct)) / 2 with z-scores vs the trailing 120-month window (min 60 months). Unit-free; positive = household finances tighter than their own last decade. Connector-defined transformation. (unit: z-score) |
First 10 sample rows — a preview, not the complete dataset.
| date | country | country_code | debt_service_ratio_pct | debt_service_asof_quarter | saving_rate_pct | real_disposable_income_bn_ch2017 | discretionary_income_proxy_bn | saving_rate_yoy_pp | real_dpi_yoy_pct | discretionary_income_yoy_pct | financial_pressure_index |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2005-01-01 | United States | USA | 14.8 | 2005Q1 | 2.7 | 11,226.5 | 9,565 | — | — | — | — |
| 2005-02-01 | United States | USA | 14.8 | 2005Q1 | 2.3 | 11,229 | 9,567.13 | — | — | — | — |
| 2005-03-01 | United States | USA | 14.8 | 2005Q1 | 2.5 | 11,268.8 | 9,601.04 | — | — | — | — |
| 2005-04-01 | United States | USA | 14.829 | 2005Q2 | 2.1 | 11,304.2 | 9,627.948 | — | — | — | — |
| 2005-05-01 | United States | USA | 14.829 | 2005Q2 | 2.6 | 11,352.7 | 9,669.256 | — | — | — | — |
| 2005-06-01 | United States | USA | 14.829 | 2005Q2 | 2 | 11,375.5 | 9,688.675 | — | — | — | — |
| 2005-07-01 | United States | USA | 15.14 | 2005Q3 | 1.4 | 11,387.1 | 9,663.098 | — | — | — | — |
| 2005-08-01 | United States | USA | 15.14 | 2005Q3 | 2 | 11,405.3 | 9,678.542 | — | — | — | — |
| 2005-09-01 | United States | USA | 15.14 | 2005Q3 | 2 | 11,365.2 | 9,644.513 | — | — | — | — |
| 2005-10-01 | United States | USA | 15.029 | 2005Q4 | 2.3 | 11,428.7 | 9,711.132 | — | — | — | — |
Profiled Sep 29, 2026 from snapshot 20260929T004029Z-f96f3468a1fe
Measured- Completeness
- 96.9%
- Rows
- 259
- Columns
- 12
- Columns with gaps
- 4
| Column | Missing | Distinct | Range | Distribution |
|---|---|---|---|---|
| datedate | 0% | 273 | Jan 1, 2005 → Jul 1, 2026 | — |
| countryvarchar | 0% | 1 | — |
|
| country_codevarchar | 0% | 1 | — |
|
| debt_service_ratio_pctdouble | 0% | 87 | 9.05 → 15.85median 11.75 | 6 outside 1st–99th percentile |
| debt_service_asof_quartervarchar | 0% | 89 | — |
|
| saving_rate_pctdouble | 0% | 79 | 1.4 → 31.8median 5.6 | 5 outside 1st–99th percentile |
| real_disposable_income_bn_ch2017double | 0% | 298 | 11,227 → 20,520median 13,993 | 6 outside 1st–99th percentile |
| discretionary_income_proxy_bndouble | 0% | 296 | 9,565 → 18,663median 12,351 | 6 outside 1st–99th percentile |
| saving_rate_yoy_ppdouble | 4.6% | 145 | -23 → 24.2median 0.3 | 6 outside 1st–99th percentile |
| real_dpi_yoy_pctdouble | 4.6% | 221 | -21.41 → 30.68median 2.56 | 6 outside 1st–99th percentile |
| discretionary_income_yoy_pctdouble | 4.6% | 346 | -22.64 → 34.44median 2.56 | 6 outside 1st–99th percentile |
| financial_pressure_indexdouble | 22.8% | 185 | -6.55 → 0.5728median -0.7505 | 4 outside 1st–99th percentile |
- Current
20260929T004029Z-f96f3468a1fe · sha256 f96f3468a1fe…
259 rows · first snapshot
Point any LLM at the metadata endpoint — the documentation above is machine-readable too (JSON-LD + Croissant).
curl "https://datazimuts.com/v1/datasets/household_financial_pressure/household_financial_pressure_monthly" | jq '{title, rows, columns_count, license}'import requests
ds = requests.get("https://datazimuts.com/v1/datasets/household_financial_pressure/household_financial_pressure_monthly").json()
print(ds["title"], ds["rows"], "rows")
# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
print(row)API endpoint: https://datazimuts.com/v1/datasets/household_financial_pressure/household_financial_pressure_monthly
Tip: fetch /llms.txt for the full machine-readable catalog.
Where this data comes from and what was made from it. Other people's work shows as counts; only shared projects are named.
Cite this snapshot
Pinned to snapshot 20260929T004029Z-f96f3468a1fe and its content hash, so readers get exactly the data you used.
US Household Financial Pressure (derived). (2026). US household financial pressure, monthly [Data set, snapshot 20260929T004029Z-f96f3468a1fe, sha256 f96f3468a1fe]. Datazimuts. Retrieved 2026-09-29, from https://datazimuts.com/en/datasets/household_financial_pressure/household_financial_pressure_monthly?snapshot=20260929T004029Z-f96f3468a1fe
@misc{dz_household_financial_pressure_household_f_f96f3468,
title = {{US household financial pressure, monthly}},
author = {{US Household Financial Pressure (derived)}},
year = {2026},
publisher = {Datazimuts},
howpublished = {\url{https://datazimuts.com/en/datasets/household_financial_pressure/household_financial_pressure_monthly?snapshot=20260929T004029Z-f96f3468a1fe}},
note = {Snapshot 20260929T004029Z-f96f3468a1fe, sha256 f96f3468a1feae6790848c5b55a8591c8145aafeea9e6105e22f7028909439d7; accessed 2026-09-29}
}Embed a table or a chart
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