Savings Become a Luxury: 62% of Ukrainians Have Not Saved Money in the Last Two Years
It is becoming increasingly difficult for Ukrainians to save money: over two years, the number of those living without savings has noticeably increased. While in 2024, 44% of respondents had or tried to accumulate savings, now only 38% remain. At the same time, most citizens admit that due to financial circumstances they cannot set aside money, and some are already forced to spend previously accumulated reserves.
According to the results of a recent survey among Ukrainians, 62% of respondents have not saved money in the last two years. Meanwhile, 13% reported that they set aside part of their income from each paycheck, and another 25% try to save, although irregularly.
How Many Ukrainians Have Savings in 2026
Compared to summer 2024, the share of Ukrainians who manage to accumulate funds decreased by 6 percentage points — from 44% to 38%.
Answering the question about savings over the last two years, survey participants noted:
- 33% — previously could save money but now do not have that opportunity;
- 25% — try to save but not systematically;
- 15% — have no savings now or before;
- 14% — in recent years not only do not save money but also spend what was previously accumulated;
- 13% — set aside money from every paycheck.
For comparison, in 2024, the share of those who lost the ability to save was 16%, and those who tried to save irregularly was 32%.
Where Ukrainians Keep Their Savings
Among those who still manage to form a financial reserve, the most popular way to keep money remains cash.
According to the survey, 46% of respondents keep their savings at home. Another 13% chose a bank account, and 9% place funds in deposits.
The distribution of answers regarding ways of storing savings is as follows:
- cash at home — 46%;
- bank account — 13%;
- bank deposit — 9%;
- real estate investments — 2%;
- cryptocurrency — 1%;
- bonds and other securities — 1%.
Bank Accounts and Deposits Are Becoming More Popular
Although cash remains the main tool for preserving funds, interest in banking products has increased over the past two years.
Thus, the share of those who keep savings in bank accounts increased from 10% to 13%, and the popularity of deposits nearly doubled — from 5% in 2024 to 9% in 2026.
At the same time, the share of Ukrainians who keep money at home decreased from 53% to 46%, and interest in cryptocurrencies slightly declined — from 2% to 1%.
Financial Safety Nets Are Becoming Less Accessible
The survey results indicate that more and more Ukrainians face difficulties in forming savings. The greatest increase was recorded among those who previously could save but now cannot. This indicates an increased financial burden on households and a reduction in opportunities to create a financial safety cushion.
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