Research libraryMacro & markets
Alt30 Consumer & Spending Monitor · 2026-09-24
The American consumer, with our read on it.
Spending, income, confidence and credit, refreshed from FRED, with Alt30's take on each number.
Alt30 Consumer & Spending MonitorSep 24, 2026United StatesPilot edition · unsponsored
Spending
Are households still spending?
Retail sales (YoY) is +6.0%, up 1.0 pp over the past mo. Real consumer spending (YoY) is +2.1%, down 0.5 pp over the past mo.
+6.0%
Retail sales (YoY) · +1.0 pp/mo · as of 2026-08-01
+2.1%
Real consumer spending (YoY) · -0.5 pp/mo · as of 2026-07-01
Income & saving
What's coming in, and what's being set aside.
Real disposable income (YoY) is +0.5%, down 0.1 pp over the past mo. Personal saving rate is 3.00%, up 0.40 pp over the past mo.
+0.5%
Real disposable income (YoY) · -0.1 pp/mo · as of 2026-07-01
3.00%
Personal saving rate · +0.40 pp/mo · as of 2026-07-01
Confidence & expectations
How households feel, and what they expect on prices.
Consumer sentiment (UMich) is 55.2, up 5.7 over the past mo. 1-year inflation expectations is 4.20%, down 0.40 pp over the past mo.
55.2
Consumer sentiment (UMich) · +5.7/mo · as of 2026-07-01
4.20%
1-year inflation expectations · -0.40 pp/mo · as of 2026-07-01
Household credit
How much households are borrowing, and how well they're keeping up.
Revolving consumer credit (YoY) is +3.6%, down 0.5 pp over the past mo. Credit card delinquency rate is 2.85%, down 0.06 pp over the past qtr.
+3.6%
Revolving consumer credit (YoY) · -0.5 pp/mo · as of 2026-07-01
2.85%
Credit card delinquency rate · -0.06 pp/qtr · as of 2026-04-01
Data in this edition
- Federal Reserve Economic Data (FRED), St. Louis Fed; each series stamped with its own release date
- Spending & income: Census & BEA; confidence: University of Michigan; credit: Federal Reserve Board
Sources carry different vintages and lags by design and are never combined inside one figure. The write-up's caveats section says what the index does and does not claim.
Cite as
Alt30 (2026). Alt30 Consumer & Spending Monitor, Weekly (v0.1.0). Alt30. https://portal.alt-30.com/reports/consumer-spending
This edition is unsponsored. Sponsorship and white-label distribution are available for future editions; the analysis layer is never touched by sponsor branding.
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