Albania remains among the countries with the lowest ability to save on the continent, with only a small share of the population able to set money aside. The latest data show that less than one-fifth of Albanians aged 15 and over report having been able to save, a level significantly lower not only compared to European Union countries, but also to most countries in the region.
Compared with neighboring states, Albania ranks at the bottom of the list in terms of the share of the population with savings, while in EU countries more than half of citizens are able to put money aside. Differences are also pronounced within the country, where the ability to save is much lower among low-income households and in rural areas, while it is somewhat higher among higher-income groups and in urban centers.
For many families, monthly income is spent almost entirely on basic expenses such as food, energy, rent, and transportation, leaving little or no room for savings.
The data indicate that while a small share of higher-income individuals manages to build savings, the majority of the population faces ongoing financial difficulties. This situation highlights the need for policies that encourage income growth, strengthen financial education, and create more accessible instruments to help citizens save.