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Informations Rapides · 25 September 2025 · n° 245
Informations rapidesIn September 2025, household confidence is stable Monthly consumer confidence survey - September 2025

In September 2025, household confidence is stable. At 87, the indicator that summarises it is unchanged and remains below its long-term average (100 between January 1987 and December 2024). The balance of opinion regarding household’s future saving capacity has reached a historic maximum.

Informations rapides
No 245
Paru le :Paru le25/09/2025
Prochaine parution le : 24/10/2025 at 08:45 - October 2025

In September 2025, household confidence is stable. At 87, the indicator that summarises it is unchanged and remains below its long-term average (100 between January 1987 and December 2024). The balance of opinion regarding household’s future saving capacity has reached a historic maximum.

Consumer confidence synthetic index

Consumer confidence synthetic index
Consumer confidence synthetic index
2025-09 87
2025-08 87
2025-07 88
2025-06 88
2025-05 88
2025-04 91
2025-03 91
2025-02 93
2025-01 92
2024-12 88
2024-11 90
2024-10 94
2024-09 95
2024-08 93
2024-07 91
2024-06 90
2024-05 91
2024-04 90
2024-03 91
2024-02 89
2024-01 91
2023-12 89
2023-11 89
2023-10 85
2023-09 85
2023-08 86
2023-07 87
2023-06 86
2023-05 84
2023-04 83
2023-03 81
2023-02 82
2023-01 82
2022-12 82
2022-11 84
2022-10 83
2022-09 81
2022-08 83
2022-07 80
2022-06 82
2022-05 85
2022-04 87
2022-03 89
2022-02 97
2022-01 98
2021-12 99
2021-11 98
2021-10 100
2021-09 103
2021-08 99
2021-07 103
2021-06 105
2021-05 99
2021-04 97
2021-03 96
2021-02 92
2021-01 93
2020-12 96
2020-11 89
2020-10 94
2020-09 95
2020-08 94
2020-07 93
2020-06 95
2020-05 89
2020-04 91
2020-03 103
2020-02 105
2020-01 104
2019-12 102
2019-11 106
2019-10 105
2019-09 105
2019-08 103
2019-07 103
2019-06 102
2019-05 100
2019-04 99
2019-03 98
2019-02 97
2019-01 94
2018-12 89
2018-11 92
2018-10 96
2018-09 95
2018-08 97
2018-07 97
2018-06 97
2018-05 100
2018-04 103
2018-03 102
2018-02 101
2018-01 105
2017-12 107
2017-11 104
2017-10 101
2017-09 102
2017-08 104
2017-07 105
2017-06 109
2017-05 103
2017-04 102
2017-03 102
2017-02 103
2017-01 102
2016-12 101
2016-11 101
2016-10 100
2016-09 99
2016-08 97
2016-07 97
2016-06 98
2016-05 100
2016-04 96
2016-03 96
2016-02 97
2016-01 99
2015-12 98
2015-11 98
2015-10 98
2015-09 99
2015-08 95
2015-07 94
2015-06 95
2015-05 95
2015-04 96
2015-03 95
2015-02 94
2015-01 91
2014-12 91
2014-11 89
2014-10 87
2014-09 87
2014-08 87
2014-07 87
2014-06 87
2014-05 86
2014-04 86
2014-03 88
2014-02 86
2014-01 87
2013-12 86
2013-11 85
2013-10 88
2013-09 87
2013-08 86
2013-07 83
2013-06 80
2013-05 81
2013-04 84
2013-03 83
2013-02 85
2013-01 85
2012-12 86
2012-11 84
2012-10 84
2012-09 85
2012-08 87
2012-07 89
2012-06 93
2012-05 94
2012-04 91
2012-03 90
2012-02 85
2012-01 84
2011-12 83
2011-11 84
2011-10 87
2011-09 85
2011-08 86
2011-07 90
2011-06 88
2011-05 88
2011-04 87
2011-03 87
2011-02 90
2011-01 90
2010-12 91
2010-11 95
2010-10 92
2010-09 91
2010-08 90
2010-07 88
2010-06 87
2010-05 89
2010-04 90
2010-03 92
2010-02 93
2010-01 96
2009-12 95
2009-11 95
2009-10 92
2009-09 92
2009-08 91
2009-07 90
2009-06 91
2009-05 88
2009-04 87
2009-03 85
2009-02 85
2009-01 85
2008-12 84
2008-11 84
2008-10 83
2008-09 86
2008-08 84
2008-07 83
2008-06 83
2008-05 87
2008-04 90
2008-03 91
2008-02 91
2008-01 91
2007-12 96
2007-11 96
2007-10 101
2007-09 102
2007-08 105
2007-07 108
2007-06 110
2007-05 110
2007-04 103
2007-03 103
2007-02 102
2007-01 101
2006-12 100
2006-11 101
2006-10 101
2006-09 101
2006-08 99
2006-07 100
2006-06 97
2006-05 97
2006-04 98
2006-03 99
2006-02 100
2006-01 98
2005-12 97
2005-11 94
2005-10 94
2005-09 94
2005-08 95
2005-07 96
2005-06 96
2005-05 96
2005-04 99
2005-03 99
2005-02 100
2005-01 99
2004-12 101
2004-11 102
2004-10 103
2004-09 104
2004-08 102
2004-07 100
2004-06 101
2004-05 101
2004-04 103
2004-03 101
2004-02 100
2004-01 101
2003-12 100
2003-11 100
2003-10 100
2003-09 101
2003-08 101
2003-07 101
2003-06 102
2003-05 102
2003-04 100
2003-03 98
2003-02 103
2003-01 105
2002-12 109
2002-11 109
2002-10 109
2002-09 108
2002-08 109
2002-07 110
2002-06 113
2002-05 114
2002-04 110
2002-03 112
2002-02 111
2002-01 112
2001-12 112
2001-11 112
2001-10 111
2001-09 111
2001-08 113
2001-07 114
2001-06 115
2001-05 116
2001-04 121
2001-03 123
2001-02 124
2001-01 126
2000-12 124
2000-11 120
2000-10 120
2000-09 119
2000-08 122
2000-07 124
2000-06 123
2000-05 123
2000-04 123
2000-03 120
2000-02 119
2000-01 119

Consumer confidence synthetic index

  • Source: INSEE.

Personal situation

Personal financial situation: almost stable

In September 2025, households' opinion on their future personal financial situation is almost stable. The corresponding balance of opinion has gained one point and has moved closer to its long-term average. The one related to their past personal financial situation is stable and remains at its long-term average.

The proportion of households believing it is a good time, in the current economic situation, to make major purchases has fallen sharply. The corresponding balance has decreased by four points, reaching its lowest level since August 2024. It has moved again further away from its long-term average.

Opinion balances on personal financial situation and standard of living in France

Opinion balances on personal financial situation and standard of living in France
Financial situation, future Standard of living, future Standard of living, past Financial situation, past
2025-09 -15 -63 -73 -21
2025-08 -16 -64 -74 -21
2025-07 -14 -62 -71 -22
2025-06 -14 -60 -70 -24
2025-05 -14 -60 -69 -25
2025-04 -12 -54 -68 -20
2025-03 -11 -51 -69 -21
2025-02 -4 -48 -70 -20
2025-01 -10 -48 -69 -22
2024-12 -15 -58 -71 -23
2024-11 -14 -51 -69 -23
2024-10 -8 -42 -68 -22
2024-09 -6 -37 -65 -22
2024-08 -9 -45 -68 -23
2024-07 -10 -49 -72 -22
2024-06 -12 -49 -72 -24
2024-05 -13 -45 -72 -24
2024-04 -12 -48 -73 -26
2024-03 -9 -43 -75 -26
2024-02 -11 -44 -76 -28
2024-01 -9 -40 -76 -28
2023-12 -10 -45 -77 -29
2023-11 -11 -45 -79 -29
2023-10 -15 -53 -81 -32
2023-09 -16 -52 -82 -35
2023-08 -15 -52 -79 -31
2023-07 -13 -45 -82 -33
2023-06 -14 -49 -80 -31
2023-05 -16 -56 -84 -33
2023-04 -19 -59 -83 -32
2023-03 -23 -65 -83 -32
2023-02 -22 -64 -80 -32
2023-01 -23 -65 -80 -31
2022-12 -23 -63 -80 -31
2022-11 -22 -61 -79 -27
2022-10 -23 -64 -79 -29
2022-09 -26 -69 -79 -32
2022-08 -20 -63 -77 -34
2022-07 -26 -71 -81 -31
2022-06 -24 -69 -76 -30
2022-05 -23 -65 -68 -27
2022-04 -21 -59 -67 -26
2022-03 -22 -61 -59 -22
2022-02 -6 -35 -62 -21
2022-01 -8 -35 -58 -18
2021-12 -8 -32 -54 -18
2021-11 -9 -33 -56 -20
2021-10 -7 -30 -59 -15
2021-09 -2 -24 -55 -13
2021-08 -4 -37 -62 -14
2021-07 -2 -23 -61 -11
2021-06 2 -15 -65 -11
2021-05 -4 -27 -70 -13
2021-04 -7 -35 -73 -13
2021-03 -4 -36 -75 -16
2021-02 -8 -52 -72 -16
2021-01 -9 -48 -71 -18
2020-12 -3 -43 -72 -14
2020-11 -14 -64 -71 -15
2020-10 -7 -53 -66 -15
2020-09 -5 -47 -67 -15
2020-08 -9 -54 -63 -14
2020-07 -10 -55 -64 -14
2020-06 -8 -56 -57 -13
2020-05 -20 -73 -48 -10
2020-04 -21 -68 -31 -8
2020-03 -7 -34 -32 -13
2020-02 -4 -24 -37 -14
2020-01 -3 -27 -40 -16
2019-12 -5 -29 -40 -20
2019-11 -2 -20 -35 -17
2019-10 -4 -23 -38 -17
2019-09 -3 -25 -39 -17
2019-08 -6 -25 -42 -18
2019-07 -6 -26 -41 -20
2019-06 -6 -25 -43 -23
2019-05 -6 -26 -51 -24
2019-04 -7 -25 -54 -25
2019-03 -10 -26 -53 -26
2019-02 -12 -28 -56 -25
2019-01 -14 -29 -63 -28
2018-12 -20 -38 -66 -33
2018-11 -18 -43 -58 -28
2018-10 -16 -32 -52 -29
2018-09 -18 -38 -50 -30
2018-08 -13 -31 -46 -30
2018-07 -12 -34 -47 -28
2018-06 -14 -34 -47 -27
2018-05 -14 -28 -39 -26
2018-04 -11 -19 -36 -26
2018-03 -12 -22 -39 -24
2018-02 -18 -24 -35 -22
2018-01 -12 -18 -30 -16
2017-12 -8 -13 -31 -17
2017-11 -10 -17 -39 -19
2017-10 -15 -25 -39 -21
2017-09 -11 -21 -41 -21
2017-08 -10 -21 -40 -18
2017-07 -11 -12 -40 -18
2017-06 -4 0 -40 -15
2017-05 -7 -17 -45 -20
2017-04 -9 -21 -51 -19
2017-03 -7 -22 -47 -20
2017-02 -5 -22 -48 -22
2017-01 -5 -26 -48 -22
2016-12 -7 -23 -51 -22
2016-11 -8 -25 -49 -24
2016-10 -7 -29 -53 -23
2016-09 -9 -29 -54 -23
2016-08 -11 -35 -54 -22
2016-07 -10 -33 -53 -29
2016-06 -10 -33 -54 -23
2016-05 -10 -28 -48 -25
2016-04 -13 -36 -57 -25
2016-03 -12 -35 -57 -24
2016-02 -10 -32 -56 -24
2016-01 -9 -27 -55 -24
2015-12 -7 -31 -54 -26
2015-11 -10 -31 -53 -24
2015-10 -10 -31 -54 -24
2015-09 -6 -28 -52 -26
2015-08 -12 -33 -57 -29
2015-07 -12 -36 -59 -29
2015-06 -12 -35 -58 -27
2015-05 -14 -34 -58 -27
2015-04 -12 -34 -58 -24
2015-03 -13 -34 -59 -27
2015-02 -15 -37 -61 -27
2015-01 -17 -42 -67 -29
2014-12 -15 -43 -66 -27
2014-11 -17 -48 -68 -33
2014-10 -20 -50 -73 -31
2014-09 -20 -51 -71 -30
2014-08 -20 -47 -70 -33
2014-07 -17 -49 -70 -32
2014-06 -20 -48 -69 -36
2014-05 -23 -50 -70 -33
2014-04 -27 -45 -70 -32
2014-03 -19 -47 -69 -29
2014-02 -20 -52 -72 -34
2014-01 -19 -48 -71 -35
2013-12 -21 -50 -73 -34
2013-11 -19 -53 -75 -34
2013-10 -18 -45 -69 -35
2013-09 -20 -46 -72 -33
2013-08 -22 -50 -73 -33
2013-07 -24 -57 -77 -34
2013-06 -27 -66 -80 -35
2013-05 -26 -63 -79 -37
2013-04 -25 -62 -76 -28
2013-03 -26 -61 -75 -29
2013-02 -24 -56 -71 -27
2013-01 -25 -58 -69 -28
2012-12 -23 -54 -69 -29
2012-11 -25 -55 -73 -31
2012-10 -25 -60 -73 -29
2012-09 -21 -57 -75 -29
2012-08 -19 -51 -72 -29
2012-07 -19 -43 -69 -27
2012-06 -16 -30 -68 -27
2012-05 -16 -30 -65 -26
2012-04 -16 -38 -66 -29
2012-03 -19 -40 -68 -29
2012-02 -26 -49 -73 -32
2012-01 -27 -54 -73 -32
2011-12 -30 -57 -74 -32
2011-11 -25 -59 -74 -30
2011-10 -21 -51 -73 -29
2011-09 -24 -55 -75 -31
2011-08 -23 -56 -71 -30
2011-07 -18 -42 -67 -31
2011-06 -21 -48 -68 -33
2011-05 -20 -49 -68 -31
2011-04 -21 -56 -71 -31
2011-03 -23 -51 -69 -29
2011-02 -18 -46 -67 -27
2011-01 -18 -44 -70 -26
2010-12 -16 -42 -68 -26
2010-11 -11 -38 -64 -23
2010-10 -15 -40 -64 -28
2010-09 -18 -42 -64 -28
2010-08 -18 -43 -66 -29
2010-07 -20 -49 -71 -30
2010-06 -19 -55 -71 -27
2010-05 -19 -52 -69 -27
2010-04 -16 -46 -69 -27
2010-03 -13 -40 -69 -26
2010-02 -12 -34 -67 -27
2010-01 -9 -32 -62 -24
2009-12 -10 -34 -65 -23
2009-11 -8 -33 -67 -25
2009-10 -12 -38 -70 -27
2009-09 -11 -38 -71 -27
2009-08 -12 -40 -72 -30
2009-07 -12 -43 -75 -26
2009-06 -12 -43 -73 -25
2009-05 -15 -46 -76 -30
2009-04 -17 -50 -76 -29
2009-03 -20 -56 -77 -30
2009-02 -20 -57 -77 -30
2009-01 -19 -56 -75 -31
2008-12 -20 -56 -78 -32
2008-11 -20 -53 -78 -33
2008-10 -21 -57 -81 -33
2008-09 -17 -49 -79 -35
2008-08 -20 -51 -81 -37
2008-07 -21 -54 -80 -38
2008-06 -24 -55 -78 -37
2008-05 -18 -46 -75 -34
2008-04 -16 -41 -70 -32
2008-03 -14 -37 -71 -33
2008-02 -14 -40 -69 -29
2008-01 -16 -42 -67 -29
2007-12 -10 -30 -63 -26
2007-11 -10 -37 -61 -23
2007-10 -6 -23 -54 -20
2007-09 -5 -25 -51 -17
2007-08 -4 -16 -48 -16
2007-07 -1 -6 -44 -15
2007-06 3 0 -44 -13
2007-05 7 3 -50 -16
2007-04 -2 -15 -56 -20
2007-03 -2 -17 -56 -20
2007-02 -4 -19 -56 -22
2007-01 -4 -23 -57 -22
2006-12 -5 -26 -56 -21
2006-11 -4 -25 -56 -22
2006-10 -3 -24 -55 -22
2006-09 -4 -28 -54 -20
2006-08 -4 -33 -57 -20
2006-07 -5 -33 -55 -19
2006-06 -7 -38 -59 -21
2006-05 -6 -38 -61 -23
2006-04 -6 -38 -59 -21
2006-03 -6 -34 -57 -19
2006-02 -4 -31 -55 -21
2006-01 -5 -33 -60 -22
2005-12 -7 -35 -63 -23
2005-11 -10 -41 -65 -28
2005-10 -10 -40 -66 -29
2005-09 -8 -38 -66 -26
2005-08 -8 -37 -65 -25
2005-07 -7 -36 -65 -25
2005-06 -6 -33 -65 -25
2005-05 -8 -37 -59 -24
2005-04 -5 -32 -54 -22
2005-03 -6 -31 -54 -22
2005-02 -4 -29 -53 -20
2005-01 -5 -30 -56 -21

Opinion balances on personal financial situation and standard of living in France

  • Source: INSEE.

Saving capacity: increase

In September 2025, households' opinion on their ability to save, both current and future, has improved. The balance of opinion regarding their future savings capacity has risen by three points, reaching a historic maximum, and the one related to their current savings capacity has risen by two points. Both balances remain well above their long-term averages.

The proportion of households believing it is a good idea to save has rebounded slightly: the corresponding balance of opinion has gained one point, after losing six the previous month. It remains well above its long-term average.

Opinion balances on saving capacity and opportunity to save

Opinion balances on saving capacity and opportunity to save
Future ability to save Opportunity to save Current ability to save
2025-09 17 36 20
2025-08 14 35 18
2025-07 15 41 18
2025-06 12 40 17
2025-05 10 35 17
2025-04 12 35 19
2025-03 15 39 17
2025-02 14 42 18
2025-01 12 38 21
2024-12 12 36 18
2024-11 11 38 17
2024-10 12 37 18
2024-09 14 40 17
2024-08 10 38 16
2024-07 10 33 18
2024-06 8 38 18
2024-05 13 40 15
2024-04 12 36 16
2024-03 7 29 13
2024-02 3 35 12
2024-01 8 40 14
2023-12 8 40 14
2023-11 4 37 13
2023-10 3 29 11
2023-09 2 35 12
2023-08 3 35 14
2023-07 4 34 10
2023-06 9 33 12
2023-05 7 32 12
2023-04 7 32 13
2023-03 4 32 16
2023-02 1 36 15
2023-01 1 30 14
2022-12 2 24 15
2022-11 2 25 16
2022-10 -3 26 14
2022-09 -4 28 10
2022-08 -1 23 12
2022-07 -3 18 13
2022-06 -3 23 13
2022-05 1 25 16
2022-04 2 28 16
2022-03 3 26 20
2022-02 12 30 22
2022-01 12 31 20
2021-12 8 33 21
2021-11 12 33 21
2021-10 5 33 23
2021-09 14 31 25
2021-08 12 35 28
2021-07 14 33 26
2021-06 15 37 28
2021-05 12 40 29
2021-04 10 41 25
2021-03 10 40 24
2021-02 10 38 25
2021-01 7 38 25
2020-12 11 29 24
2020-11 6 35 23
2020-10 9 33 26
2020-09 8 34 24
2020-08 7 27 22
2020-07 9 26 24
2020-06 6 17 25
2020-05 -3 13 21
2020-04 0 1 20
2020-03 3 9 16
2020-02 0 7 14
2020-01 -1 6 13
2019-12 -4 10 14
2019-11 0 9 14
2019-10 0 10 13
2019-09 3 8 14
2019-08 1 12 13
2019-07 -2 10 12
2019-06 -4 11 11
2019-05 -6 11 10
2019-04 -6 11 10
2019-03 -5 0 12
2019-02 -7 4 10
2019-01 -11 1 8
2018-12 -17 -5 7
2018-11 -12 5 11
2018-10 -8 4 12
2018-09 -11 4 9
2018-08 -7 10 11
2018-07 -4 7 10
2018-06 -10 8 10
2018-05 -4 7 9
2018-04 -7 4 10
2018-03 -8 6 10
2018-02 -7 7 12
2018-01 -2 10 14
2017-12 2 5 11
2017-11 -1 4 12
2017-10 -10 -5 10
2017-09 -5 4 10
2017-08 -3 5 11
2017-07 -6 8 11
2017-06 1 6 13
2017-05 -2 5 13
2017-04 1 6 13
2017-03 -2 6 13
2017-02 -1 5 12
2017-01 -5 0 9
2016-12 -5 -5 9
2016-11 -5 -1 7
2016-10 -7 -2 7
2016-09 -7 1 10
2016-08 -11 -2 9
2016-07 -11 0 7
2016-06 -10 0 7
2016-05 -11 -2 7
2016-04 -8 -2 9
2016-03 -9 -2 6
2016-02 -6 0 8
2016-01 -6 3 10
2015-12 -4 7 11
2015-11 -5 4 10
2015-10 -5 6 8
2015-09 -3 6 11
2015-08 -12 -8 6
2015-07 -7 5 9
2015-06 -8 8 7
2015-05 -5 3 6
2015-04 4 18 17
2015-03 1 16 17
2015-02 -5 15 15
2015-01 -5 16 15
2014-12 -2 25 17
2014-11 -4 18 14
2014-10 -4 18 16
2014-09 -3 15 12
2014-08 1 16 14
2014-07 1 18 14
2014-06 4 19 17
2014-05 -4 21 17
2014-04 -2 21 17
2014-03 1 21 17
2014-02 -6 24 11
2014-01 -1 24 15
2013-12 -5 18 11
2013-11 -5 17 14
2013-10 3 30 13
2013-09 -5 31 12
2013-08 -2 26 15
2013-07 -2 31 18
2013-06 -5 31 13
2013-05 -1 30 13
2013-04 -4 32 14
2013-03 -4 36 17
2013-02 2 31 21
2013-01 -1 35 19
2012-12 -1 38 19
2012-11 0 38 18
2012-10 -3 32 18
2012-09 -3 31 18
2012-08 -3 32 14
2012-07 -8 24 13
2012-06 -2 26 14
2012-05 -1 25 13
2012-04 -2 30 9
2012-03 -7 17 4
2012-02 -5 21 10
2012-01 -9 16 9
2011-12 -8 15 7
2011-11 -10 11 7
2011-10 -6 11 8
2011-09 -9 11 5
2011-08 -11 13 7
2011-07 -11 20 10
2011-06 -12 19 3
2011-05 -11 22 4
2011-04 -12 23 4
2011-03 -10 17 3
2011-02 -10 17 2
2011-01 -8 16 4
2010-12 -8 19 5
2010-11 -8 21 8
2010-10 -8 25 5
2010-09 -8 19 5
2010-08 -6 21 6
2010-07 -13 14 5
2010-06 -8 5 6
2010-05 -8 9 6
2010-04 -7 11 7
2010-03 -5 14 7
2010-02 -8 15 6
2010-01 -3 14 10
2009-12 -5 7 7
2009-11 -6 9 7
2009-10 -10 2 3
2009-09 -11 2 4
2009-08 -15 -10 -1
2009-07 -13 3 5
2009-06 -14 3 4
2009-05 -18 2 3
2009-04 -14 3 4
2009-03 -11 8 3
2009-02 -16 7 2
2009-01 -20 13 0
2008-12 -18 12 1
2008-11 -16 6 1
2008-10 -20 -10 0
2008-09 -13 14 0
2008-08 -16 19 -1
2008-07 -19 14 -2
2008-06 -19 14 -1
2008-05 -18 17 1
2008-04 -14 18 2
2008-03 -17 18 2
2008-02 -13 17 3
2008-01 -13 21 4
2007-12 -13 24 4
2007-11 -16 23 5
2007-10 -6 28 7
2007-09 -6 32 8
2007-08 -5 30 7
2007-07 -4 29 7
2007-06 -3 29 6
2007-05 0 27 8
2007-04 -10 22 3
2007-03 -12 20 2
2007-02 -11 23 3
2007-01 -11 21 3
2006-12 -12 18 3
2006-11 -10 22 3
2006-10 -11 22 4
2006-09 -10 20 5
2006-08 -10 19 6
2006-07 -9 17 8
2006-06 -9 16 5
2006-05 -9 16 5
2006-04 -12 14 4
2006-03 -10 13 5
2006-02 -11 12 4
2006-01 -14 5 1
2005-12 -17 4 1
2005-11 -19 10 -1
2005-10 -17 8 0
2005-09 -18 2 0
2005-08 -16 6 1
2005-07 -13 10 2
2005-06 -21 7 2
2005-05 -14 13 3
2005-04 -14 20 5
2005-03 -13 16 5
2005-02 -13 17 6
2005-01 -14 17 6

Opinion balances on saving capacity and opportunity to save

  • Source: Insee.

CONSUMER OPINION: synthetic index and opinion balances

Balance of responses, seasonally adjusted
CONSUMER OPINION: synthetic index and opinion balances (Balance of responses, seasonally adjusted )
Avg. (1) Jun. 25 Jul. 25 Aug. 25 Sept. 25
Synthetic index (2) 100 88 88 87 87
Past financial situation -21 -24 -22 -21 -21
Expected financial situation -7 -14 -14 -16 -15
Current saving capacity 10 17 18 18 20
Expected saving capacity -7 12 15 14 17
Savings intentions 19 40 41 35 36
Major purchases intentions -16 -27 -26 -27 -31
Past standard of living in France -48 -70 -71 -74 -73
Future standard of living in France -28 -60 -62 -64 -63
Unemployment prospects 33 58 54 56 55
Past consumer prices -12 -8 -6 -8 -8
Future inflation -32 -36 -30 -25 -27
  • (1) Average value between January 1987 and December 2024.
  • (2) The indicator is normalised in such a way that its average equals 100 and standard error equals 10 over the estimation period (1987–2024).
  • Source: INSEE, monthly consumer confidence survey.

Economic context in France

Standard of living in France: virtual stability

In September 2025, households' opinion on standard of living in France, both past and future, is virtually stable. The associated balances of opinion have each gained one point, but remain well below their long-term averages.

Unemployment: slight easing in fears

In September 2025, households' fears about unemployment have fallen back slightly: the corresponding balance has fallen by one point, after gaining two the previous month. It remains well above its long-term average.

Households' unemployment expectations

Balance, SA
Households' unemployment expectations (Balance, SA)
Households' unemployment prospects
2025-09 55
2025-08 56
2025-07 54
2025-06 58
2025-05 60
2025-04 51
2025-03 46
2025-02 55
2025-01 49
2024-12 54
2024-11 43
2024-10 34
2024-09 29
2024-08 30
2024-07 30
2024-06 25
2024-05 25
2024-04 22
2024-03 22
2024-02 24
2024-01 21
2023-12 25
2023-11 25
2023-10 20
2023-09 23
2023-08 19
2023-07 16
2023-06 13
2023-05 16
2023-04 17
2023-03 15
2023-02 19
2023-01 22
2022-12 20
2022-11 23
2022-10 24
2022-09 24
2022-08 14
2022-07 15
2022-06 16
2022-05 6
2022-04 10
2022-03 8
2022-02 -7
2022-01 2
2021-12 1
2021-11 -7
2021-10 3
2021-09 10
2021-08 30
2021-07 26
2021-06 26
2021-05 44
2021-04 58
2021-03 62
2021-02 81
2021-01 73
2020-12 65
2020-11 78
2020-10 76
2020-09 72
2020-08 74
2020-07 77
2020-06 80
2020-05 77
2020-04 55
2020-03 14
2020-02 -2
2020-01 6
2019-12 8
2019-11 2
2019-10 5
2019-09 4
2019-08 9
2019-07 11
2019-06 12
2019-05 11
2019-04 23
2019-03 18
2019-02 16
2019-01 31
2018-12 29
2018-11 30
2018-10 8
2018-09 24
2018-08 25
2018-07 13
2018-06 15
2018-05 1
2018-04 2
2018-03 3
2018-02 8
2018-01 0
2017-12 6
2017-11 5
2017-10 13
2017-09 17
2017-08 -1
2017-07 9
2017-06 5
2017-05 20
2017-04 15
2017-03 20
2017-02 22
2017-01 18
2016-12 18
2016-11 28
2016-10 30
2016-09 29
2016-08 34
2016-07 28
2016-06 25
2016-05 24
2016-04 51
2016-03 39
2016-02 45
2016-01 36
2015-12 45
2015-11 36
2015-10 47
2015-09 45
2015-08 50
2015-07 58
2015-06 60
2015-05 61
2015-04 61
2015-03 43
2015-02 58
2015-01 66
2014-12 65
2014-11 66
2014-10 52
2014-09 67
2014-08 62
2014-07 67
2014-06 67
2014-05 60
2014-04 57
2014-03 55
2014-02 55
2014-01 55
2013-12 48
2013-11 62
2013-10 37
2013-09 51
2013-08 56
2013-07 61
2013-06 78
2013-05 78
2013-04 74
2013-03 77
2013-02 73
2013-01 72
2012-12 74
2012-11 70
2012-10 73
2012-09 73
2012-08 73
2012-07 65
2012-06 53
2012-05 43
2012-04 55
2012-03 52
2012-02 56
2012-01 57
2011-12 59
2011-11 61
2011-10 49
2011-09 57
2011-08 51
2011-07 37
2011-06 29
2011-05 27
2011-04 35
2011-03 33
2011-02 41
2011-01 37
2010-12 34
2010-11 35
2010-10 34
2010-09 31
2010-08 46
2010-07 59
2010-06 65
2010-05 58
2010-04 57
2010-03 58
2010-02 49
2010-01 55
2009-12 54
2009-11 55
2009-10 60
2009-09 67
2009-08 64
2009-07 75
2009-06 85
2009-05 81
2009-04 78
2009-03 74
2009-02 75
2009-01 75
2008-12 76
2008-11 69
2008-10 64
2008-09 45
2008-08 39
2008-07 27
2008-06 14
2008-05 15
2008-04 3
2008-03 7
2008-02 6
2008-01 1
2007-12 -3
2007-11 3
2007-10 2
2007-09 3
2007-08 -5
2007-07 -15
2007-06 -10
2007-05 -14
2007-04 3
2007-03 9
2007-02 6
2007-01 7
2006-12 21
2006-11 3
2006-10 5
2006-09 0
2006-08 6
2006-07 5
2006-06 15
2006-05 13
2006-04 17
2006-03 24
2006-02 8
2006-01 9
2005-12 14
2005-11 15
2005-10 16
2005-09 22
2005-08 29
2005-07 36
2005-06 36
2005-05 59
2005-04 45
2005-03 42
2005-02 37
2005-01 47

Households' unemployment expectations

  • Source: INSEE.

Future prices evolution: downturn

In September 2025, the proportion of households who consider that prices will accelerate over the next twelve months has fallen back. The associated balance of opinion has lost two points, getting closer to its long-term average.

The proportion of households who consider that prices have risen sharply over the past twelve months is stable. The associated balance is unchanged and remains above its long-term average.

Households' perception of prices

Balance, SA
Households' perception of prices (Balance, SA)
Past prices Future inflation
2025-09 -8 -27
2025-08 -8 -25
2025-07 -6 -30
2025-06 -8 -36
2025-05 -5 -37
2025-04 -11 -36
2025-03 -7 -41
2025-02 -4 -42
2025-01 1 -42
2024-12 2 -33
2024-11 3 -41
2024-10 -3 -49
2024-09 2 -54
2024-08 13 -54
2024-07 17 -47
2024-06 23 -47
2024-05 27 -52
2024-04 36 -51
2024-03 43 -51
2024-02 52 -44
2024-01 49 -53
2023-12 53 -49
2023-11 56 -51
2023-10 66 -47
2023-09 66 -45
2023-08 63 -46
2023-07 59 -61
2023-06 67 -53
2023-05 73 -47
2023-04 80 -29
2023-03 74 -11
2023-02 72 -12
2023-01 70 -12
2022-12 69 -4
2022-11 67 -6
2022-10 63 -3
2022-09 64 0
2022-08 64 -8
2022-07 61 1
2022-06 60 5
2022-05 52 8
2022-04 50 20
2022-03 41 38
2022-02 44 -12
2022-01 28 -2
2021-12 28 -8
2021-11 26 -8
2021-10 17 6
2021-09 1 -7
2021-08 -4 -7
2021-07 -9 -10
2021-06 -22 -12
2021-05 -29 -16
2021-04 -35 -22
2021-03 -36 -27
2021-02 -40 -28
2021-01 -40 -26
2020-12 -39 -29
2020-11 -41 -22
2020-10 -38 -33
2020-09 -28 -32
2020-08 -18 -25
2020-07 -30 -20
2020-06 -31 -13
2020-05 -29 -1
2020-04 -48 11
2020-03 -39 -16
2020-02 -35 -23
2020-01 -33 -22
2019-12 -33 -21
2019-11 -32 -24
2019-10 -27 -21
2019-09 -29 -22
2019-08 -27 -20
2019-07 -28 -22
2019-06 -20 -23
2019-05 -21 -27
2019-04 -17 -24
2019-03 -18 -25
2019-02 -27 -18
2019-01 -31 -38
2018-12 -9 -21
2018-11 -10 -12
2018-10 -15 -14
2018-09 -16 -14
2018-08 -25 -21
2018-07 -26 -20
2018-06 -27 -21
2018-05 -31 -21
2018-04 -38 -27
2018-03 -38 -25
2018-02 -34 -20
2018-01 -39 -15
2017-12 -46 -32
2017-11 -45 -28
2017-10 -50 -23
2017-09 -56 -29
2017-08 -54 -32
2017-07 -54 -31
2017-06 -56 -41
2017-05 -56 -35
2017-04 -49 -28
2017-03 -47 -26
2017-02 -46 -31
2017-01 -43 -23
2016-12 -48 -28
2016-11 -52 -39
2016-10 -52 -38
2016-09 -46 -34
2016-08 -51 -35
2016-07 -51 -37
2016-06 -53 -36
2016-05 -53 -39
2016-04 -57 -37
2016-03 -58 -38
2016-02 -56 -39
2016-01 -51 -41
2015-12 -51 -38
2015-11 -50 -41
2015-10 -50 -41
2015-09 -53 -41
2015-08 -50 -36
2015-07 -52 -37
2015-06 -54 -38
2015-05 -56 -40
2015-04 -51 -43
2015-03 -53 -48
2015-02 -51 -45
2015-01 -50 -45
2014-12 -46 -43
2014-11 -38 -36
2014-10 -38 -28
2014-09 -41 -33
2014-08 -35 -37
2014-07 -31 -31
2014-06 -28 -31
2014-05 -23 -26
2014-04 -24 -29
2014-03 -23 -28
2014-02 -19 -22
2014-01 -14 -16
2013-12 -8 -17
2013-11 -8 -22
2013-10 -8 -21
2013-09 4 -24
2013-08 -3 -21
2013-07 -8 -17
2013-06 -11 -19
2013-05 -16 -17
2013-04 -13 -20
2013-03 -10 -14
2013-02 -10 -22
2013-01 -8 -19
2012-12 -7 -19
2012-11 -4 -14
2012-10 -1 -15
2012-09 3 -13
2012-08 -1 -16
2012-07 -2 -25
2012-06 12 -34
2012-05 12 -32
2012-04 27 -20
2012-03 22 -21
2012-02 23 -11
2012-01 21 -17
2011-12 19 -16
2011-11 20 -15
2011-10 22 -23
2011-09 25 -20
2011-08 27 -18
2011-07 32 -18
2011-06 33 -14
2011-05 40 -13
2011-04 46 0
2011-03 30 6
2011-02 25 -9
2011-01 18 -19
2010-12 9 -22
2010-11 3 -25
2010-10 0 -25
2010-09 -2 -29
2010-08 -4 -24
2010-07 -6 -27
2010-06 -10 -29
2010-05 -11 -28
2010-04 -10 -34
2010-03 -19 -39
2010-02 -19 -41
2010-01 -14 -41
2009-12 -14 -44
2009-11 -14 -48
2009-10 -16 -45
2009-09 -25 -48
2009-08 -18 -53
2009-07 -19 -52
2009-06 -16 -56
2009-05 -11 -57
2009-04 -6 -56
2009-03 -1 -54
2009-02 7 -49
2009-01 6 -51
2008-12 19 -50
2008-11 29 -47
2008-10 43 -37
2008-09 50 -53
2008-08 60 -42
2008-07 67 -30
2008-06 70 -31
2008-05 71 -39
2008-04 63 -38
2008-03 67 -45
2008-02 51 -30
2008-01 51 -15
2007-12 54 -25
2007-11 45 -8
2007-10 27 -20
2007-09 20 -15
2007-08 13 -21
2007-07 6 -27
2007-06 -3 -31
2007-05 -1 -43
2007-04 5 -34
2007-03 6 -36
2007-02 11 -39
2007-01 17 -38
2006-12 18 -35
2006-11 13 -38
2006-10 12 -39
2006-09 14 -40
2006-08 10 -37
2006-07 7 -34
2006-06 11 -32
2006-05 18 -29
2006-04 7 -32
2006-03 -3 -35
2006-02 4 -36
2006-01 1 -37
2005-12 4 -35
2005-11 9 -35
2005-10 11 -32
2005-09 12 -31
2005-08 12 -32
2005-07 13 -35
2005-06 11 -40
2005-05 15 -40
2005-04 14 -40
2005-03 15 -40
2005-02 15 -41
2005-01 14 -44

Households' perception of prices

  • Source: INSEE.

Revisions

The August 2025 synthetic household confidence index has not been revised (after rounding).

For more information

Definition – The synthetic household confidence index summarizes household opinion on the economic situation: the higher its value, the more favourable household judgment of the economic situation is. It is calculated using a factor analysis technique, which enables to summarize concomitant movements of highly correlated variables. Here the index describes the common factor of 8 balances of opinion: the past and future general economic situation in France, the past and future personal financial situation, unemployment, major purchases intentions, current saving capacity and expected saving capacity.

Calculation method – For each question, a balance of opinion is calculated as the difference between the percentages of positive and negative answers. As the level of these balances is not open to direct interpretation, comments are based on their changes and their distance to their long-term average. Seasonal coefficients are calculated again every month, hence the slight revision of the seasonal adjusted balance history in each publication.

Around 2,000 households are surveyed by telephone, during the first three weeks of each month. Answers to this survey were collected between 26 August and 17 September 2025 ; most households answer during the first two weeks of collection.

This survey is part of the Joint Harmonised European Programme of Business and Consumer Surveys, partly funded by the European Commission.

Next publication: 24 October 2025 at 8:45 am.

Pour en savoir plus

: bureau-de-presse@insee.fr