The household savings ratio has risen to particularly high levels since the health crisis. Although down in Q3 2023, it is still significantly above its pre-crisis level. However, it is possible that this average rate masks disparities, depending on households’ standard of living. Although there is no savings ratio per category of household available sub-annually, households’ balance of opinion on their saving capacity, published from INSEE’s Monthly Consumer Confidence Survey, can be used to analyse differences in households’ reported behaviour according to their standard of living. Since 2021, the least well-off categories have contributed less than the wealthiest to upward movements in this balance of opinion, and more to downward trends. At the end of 2023, the balance of opinion of the least well-off households on their saving capacity was significantly below its level before the health crisis, whereas for the wealthier households, it was closer to, or even slightly above this level. These disparities between categories of household may help explain why, on average, households’ balance of opinion on their saving capacity is nearer to its pre-health crisis level than their savings ratio...