Insee
Informations Rapides · 7 January 2026 · n° 2
Informations rapidesIn December 2025, household confidence has slightly recovered  Monthly consumer confidence survey - December 2025

In December 2025, household confidence has slightly recovered. At 90, the indicator that summarises it has increased by one point but remains below its long-term average (100 between January 1987 and December 2025). Households' opinion on the opportunity to save has reached a new historic maximum this month.

Informations rapides
No 2
Paru le :Paru le07/01/2026
Prochaine parution le : 27/01/2026 at 08:45 - January 2026

In December 2025, household confidence has slightly recovered. At 90, the indicator that summarises it has increased by one point but remains below its long-term average (100 between January 1987 and December 2025). Households' opinion on the opportunity to save has reached a new historic maximum this month.

Consumer confidence synthetic index

Consumer confidence synthetic index
Consumer confidence synthetic index
2025-12 90
2025-11 89
2025-10 90
2025-09 88
2025-08 87
2025-07 89
2025-06 89
2025-05 88
2025-04 91
2025-03 91
2025-02 93
2025-01 92
2024-12 88
2024-11 90
2024-10 93
2024-09 96
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 82
2023-02 82
2023-01 82
2022-12 83
2022-11 84
2022-10 83
2022-09 81
2022-08 84
2022-07 81
2022-06 83
2022-05 86
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 92
2020-03 103
2020-02 105
2020-01 105
2019-12 103
2019-11 107
2019-10 105
2019-09 105
2019-08 103
2019-07 103
2019-06 102
2019-05 101
2019-04 99
2019-03 98
2019-02 97
2019-01 95
2018-12 90
2018-11 93
2018-10 97
2018-09 95
2018-08 98
2018-07 98
2018-06 98
2018-05 100
2018-04 103
2018-03 102
2018-02 102
2018-01 106
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
2017-03 103
2017-02 103
2017-01 102
2016-12 102
2016-11 101
2016-10 100
2016-09 99
2016-08 98
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 96
2015-07 95
2015-06 95
2015-05 95
2015-04 96
2015-03 96
2015-02 94
2015-01 91
2014-12 91
2014-11 89
2014-10 87
2014-09 87
2014-08 88
2014-07 88
2014-06 87
2014-05 87
2014-04 86
2014-03 89
2014-02 86
2014-01 88
2013-12 86
2013-11 86
2013-10 88
2013-09 87
2013-08 86
2013-07 84
2013-06 80
2013-05 81
2013-04 84
2013-03 83
2013-02 86
2013-01 85
2012-12 86
2012-11 85
2012-10 85
2012-09 85
2012-08 87
2012-07 90
2012-06 93
2012-05 94
2012-04 91
2012-03 90
2012-02 86
2012-01 85
2011-12 84
2011-11 85
2011-10 88
2011-09 85
2011-08 87
2011-07 91
2011-06 88
2011-05 88
2011-04 87
2011-03 88
2011-02 91
2011-01 91
2010-12 92
2010-11 95
2010-10 93
2010-09 92
2010-08 91
2010-07 88
2010-06 88
2010-05 89
2010-04 90
2010-03 92
2010-02 94
2010-01 96
2009-12 95
2009-11 95
2009-10 92
2009-09 92
2009-08 91
2009-07 91
2009-06 91
2009-05 89
2009-04 88
2009-03 86
2009-02 85
2009-01 86
2008-12 85
2008-11 85
2008-10 83
2008-09 86
2008-08 84
2008-07 84
2008-06 84
2008-05 87
2008-04 91
2008-03 91
2008-02 92
2008-01 92
2007-12 96
2007-11 96
2007-10 101
2007-09 102
2007-08 105
2007-07 109
2007-06 111
2007-05 110
2007-04 104
2007-03 103
2007-02 102
2007-01 101
2006-12 101
2006-11 101
2006-10 101
2006-09 101
2006-08 100
2006-07 100
2006-06 98
2006-05 97
2006-04 98
2006-03 99
2006-02 100
2006-01 99
2005-12 97
2005-11 94
2005-10 94
2005-09 95
2005-08 95
2005-07 96
2005-06 96
2005-05 97
2005-04 99
2005-03 99
2005-02 101
2005-01 99
2004-12 101
2004-11 102
2004-10 103
2004-09 104
2004-08 102
2004-07 101
2004-06 101
2004-05 102
2004-04 103
2004-03 101
2004-02 101
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 99
2003-02 103
2003-01 106
2002-12 109
2002-11 109
2002-10 109
2002-09 108
2002-08 110
2002-07 110
2002-06 113
2002-05 115
2002-04 110
2002-03 112
2002-02 112
2002-01 112
2001-12 113
2001-11 112
2001-10 111
2001-09 111
2001-08 113
2001-07 115
2001-06 115
2001-05 117
2001-04 121
2001-03 123
2001-02 125
2001-01 127
2000-12 124
2000-11 120
2000-10 121
2000-09 119
2000-08 122
2000-07 125
2000-06 124
2000-05 123
2000-04 123
2000-03 121
2000-02 120
2000-01 120

Consumer confidence synthetic index

  • Source: INSEE.

Personal situation

Future personal financial situation: slight decrease

In December 2025, households' opinion regarding their future personal financial situation has slightly deteriorated. The corresponding balance of opinion has lost one point and has moved further away from its long-term average. The one related to their past 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 rebounded. The corresponding balance has won three points but remains well below its long-term average.

Balances on personal financial situation and standard of living in France

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
2025-12 -14 -57 -70 -21
2025-11 -13 -56 -74 -21
2025-10 -10 -56 -71 -20
2025-09 -14 -62 -72 -21
2025-08 -16 -63 -74 -21
2025-07 -14 -61 -71 -22
2025-06 -14 -60 -70 -24
2025-05 -14 -60 -70 -25
2025-04 -12 -54 -68 -20
2025-03 -11 -51 -69 -21
2025-02 -4 -48 -70 -20
2025-01 -10 -48 -70 -22
2024-12 -15 -59 -72 -23
2024-11 -14 -53 -68 -23
2024-10 -8 -43 -68 -22
2024-09 -6 -35 -65 -22
2024-08 -8 -44 -68 -23
2024-07 -10 -48 -72 -22
2024-06 -12 -48 -73 -24
2024-05 -12 -45 -72 -24
2024-04 -12 -48 -74 -26
2024-03 -9 -43 -75 -26
2024-02 -11 -45 -76 -28
2024-01 -9 -40 -76 -28
2023-12 -10 -45 -77 -29
2023-11 -11 -46 -78 -29
2023-10 -16 -53 -81 -32
2023-09 -15 -51 -82 -35
2023-08 -15 -52 -79 -31
2023-07 -13 -44 -82 -33
2023-06 -14 -49 -80 -31
2023-05 -16 -56 -85 -33
2023-04 -19 -59 -83 -32
2023-03 -23 -65 -83 -32
2023-02 -22 -65 -80 -32
2023-01 -23 -65 -80 -31
2022-12 -23 -64 -80 -31
2022-11 -22 -62 -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 -22 -61 -11
2021-06 2 -15 -65 -11
2021-05 -4 -27 -70 -13
2021-04 -7 -36 -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 -4 -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

Balances on personal financial situation and standard of living in France

  • Source: INSEE.

Opportunity to save: new historic maximum

In December 2025, the proportion of households believing it is a good time to save has slightly increased again. The corresponding balance of opinion has gained one point, reaching a new historic maximum, well above its long-term average.

Households' opinion on their current and future ability to save has deteriorated again. The associated balances of opinion have each fallen by two points, but remain well above their long-term averages.

Balances on saving capacity and opportunity to save

Balances on saving capacity and opportunity to save
Future ability to save Opportunity to save Current ability to save
2025-12 14 46 19
2025-11 16 45 21
2025-10 19 44 23
2025-09 17 37 20
2025-08 14 36 18
2025-07 15 43 18
2025-06 13 40 17
2025-05 11 36 17
2025-04 12 36 19
2025-03 15 39 17
2025-02 15 42 18
2025-01 13 38 21
2024-12 12 34 18
2024-11 11 38 17
2024-10 12 36 18
2024-09 14 41 17
2024-08 10 38 16
2024-07 10 35 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 38 14
2023-11 4 36 12
2023-10 3 28 10
2023-09 2 35 12
2023-08 3 36 14
2023-07 4 36 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 29 14
2022-12 2 22 15
2022-11 2 24 16
2022-10 -3 26 14
2022-09 -4 29 10
2022-08 -1 23 12
2022-07 -3 20 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 31 21
2021-11 12 33 21
2021-10 5 33 23
2021-09 14 31 25
2021-08 11 35 28
2021-07 14 34 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 37 25
2020-12 11 28 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 5 17 25
2020-05 -3 13 21
2020-04 0 1 20
2020-03 3 8 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 5 9
2018-08 -7 10 11
2018-07 -4 7 10
2018-06 -11 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 0 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 8 7
2009-10 -10 1 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

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) Sept. 25 Oct. 25 Nov. 25 Dec. 25
Synthetic index (2) 100 88 90 89 90
Past financial situation -21 -21 -20 -21 -21
Expected financial situation -7 -14 -10 -13 -14
Current saving capacity 10 20 23 21 19
Expected saving capacity -6 17 19 16 14
Savings intentions 19 37 44 45 46
Major purchases intentions -16 -31 -29 -30 -27
Past standard of living in France -49 -72 -71 -74 -70
Future standard of living in France -29 -62 -56 -56 -57
Unemployment prospects 33 52 49 47 45
Past consumer prices -12 -7 -7 -8 -3
Future inflation -32 -27 -32 -31 -30
  • (1) Average value between January 1987 and December 2025.
  • (2) The indicator is normalised in such a way that its average equals 100 and standard error equals 10 over the estimation period (1987–2025).
  • Source: INSEE, monthly consumer confidence survey.

Economic context in France

Past standard of living in France: rebound

In December 2025, households' opinion on past standard of living in France has rebounded: the corresponding balance has gained four points. The one related to future standard of living has lost one. Both balances remain well below their long-term averages.

Unemployment: further eases in fears

In December 2025, households' fears about unemployment have eased again: the corresponding balance has lost two points, but remains well above its long-term average.

Households' unemployment expectations

Balance, SA
Households' unemployment expectations (Balance, SA)
Households' unemployment prospects
2025-12 45
2025-11 47
2025-10 49
2025-09 52
2025-08 55
2025-07 54
2025-06 57
2025-05 59
2025-04 52
2025-03 46
2025-02 55
2025-01 49
2024-12 56
2024-11 44
2024-10 36
2024-09 27
2024-08 30
2024-07 29
2024-06 24
2024-05 24
2024-04 22
2024-03 22
2024-02 24
2024-01 21
2023-12 26
2023-11 26
2023-10 21
2023-09 22
2023-08 19
2023-07 15
2023-06 12
2023-05 16
2023-04 17
2023-03 15
2023-02 20
2023-01 22
2022-12 20
2022-11 23
2022-10 24
2022-09 23
2022-08 14
2022-07 15
2022-06 15
2022-05 6
2022-04 10
2022-03 8
2022-02 -7
2022-01 2
2021-12 1
2021-11 -6
2021-10 3
2021-09 10
2021-08 29
2021-07 26
2021-06 25
2021-05 44
2021-04 58
2021-03 62
2021-02 82
2021-01 73
2020-12 65
2020-11 78
2020-10 76
2020-09 72
2020-08 73
2020-07 77
2020-06 79
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 11
2019-05 12
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 14
2018-05 2
2018-04 3
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.

Past prices evolution: sharp rebound

In December 2025, the proportion of households who consider that prices have risen sharply over the past twelve months has strongly rebounded. The associated balance of opinion has gained five points and has reached its highest level since February 2025. It remains well above its long-term average.

The proportion of households who consider that prices will accelerate over the next twelve months has slightly increased. The associated balance has gained one point, and remains above its long- term average.

Households' perception of prices

Balance, SA
Households' perception of prices (Balance, SA)
Past prices Future inflation
2025-12 -3 -30
2025-11 -8 -31
2025-10 -7 -32
2025-09 -7 -27
2025-08 -8 -25
2025-07 -6 -30
2025-06 -8 -36
2025-05 -5 -37
2025-04 -12 -36
2025-03 -7 -41
2025-02 -5 -43
2025-01 0 -41
2024-12 1 -33
2024-11 4 -41
2024-10 -4 -48
2024-09 3 -54
2024-08 14 -54
2024-07 18 -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 -50
2023-11 57 -51
2023-10 66 -47
2023-09 67 -45
2023-08 63 -46
2023-07 59 -61
2023-06 67 -53
2023-05 73 -47
2023-04 79 -29
2023-03 74 -11
2023-02 71 -13
2023-01 70 -12
2022-12 69 -4
2022-11 68 -6
2022-10 62 -3
2022-09 65 0
2022-08 64 -8
2022-07 61 1
2022-06 60 5
2022-05 52 8
2022-04 50 21
2022-03 41 38
2022-02 44 -12
2022-01 28 -2
2021-12 28 -8
2021-11 26 -7
2021-10 17 6
2021-09 1 -7
2021-08 -3 -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 -40 -14
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 -40
2016-01 -51 -41
2015-12 -51 -38
2015-11 -50 -41
2015-10 -50 -41
2015-09 -53 -41
2015-08 -49 -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 -23
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

Due to the annual re-estimation of seasonal adjustment models (SA), some models have been updated and long-term averages recalculated. This annual re-estimation is added to the one made each month. In addition, the weights of the various balances used to calculate the synthetic indicator have been updated as every year in December. However, these changes have not resulted in any major revisions to previously published data.

The November 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 25 November and 16 December 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: 27 January 2026 at 8:45 am.

Pour en savoir plus

: bureau-de-presse@insee.fr