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EMBARGOED UNTIL RELEASE AT 8:30 A.M. EST, WEDNESDAY, DECEMBER 24, 2008
James E. Rankin:
Brendan Leary:

(202) 606-5301
(202) 606-5302

(Personal Income)
(Personal Outlays)

BEA 08-60

PERSONAL INCOME AND OUTLAYS: NOVEMBER 2008
Personal income decreased $20.7 billion, or 0.2 percent, and disposable personal income (DPI)
decreased $11.8 billion, or 0.1 percent, in November, according to the Bureau of Economic Analysis.
Personal consumption expenditures (PCE) decreased $56.1 billion, or 0.6 percent. In October,
personal income increased $11.3 billion, or 0.1 percent, DPI increased $16.7 billion, or 0.2
percent, and PCE decreased $102.6 billion, or 1.0 percent, based on revised estimates.
Real disposable income increased 1.0 percent in November, compared with an increase of 0.7
percent in October. Real PCE increased 0.6 percent, in contrast to a decrease of 0.5 percent. The price
index for PCE decreased 1.1 percent, compared with a decrease of 0.5 percent.
2008
July
Aug.
Sept.
Oct.
(Percent change from preceding month)
Personal income, current dollars
Disposable personal income:
Current dollars
Chained (2000) dollars
Personal consumption expenditures:
Current dollars
Chained (2000) dollars

Nov.

-0.8

0.3

0.0

0.1

-0.2

-1.0
-1.5

-1.1
-1.1

0.1
0.0

0.2
0.7

-0.1
1.0

-0.1
-0.6

-0.2
-0.1

-0.4
-0.5

-1.0
-0.5

-0.6
0.6

________________________

NOTE. - - Monthly estimates are expressed at seasonally adjusted annual rates, unless otherwise specified.
Month-to-month dollar changes are differences between these published estimates. Month-to-month
percent changes are calculated from unrounded data and are not annualized. “Real” estimates are in
chained (2000) dollars.
This news release is available on BEA’s Web site at www.bea.gov/newsreleases/rels.htm.
-more-

-2-

Wages and salaries
Private wage and salary disbursements decreased $8.7 billion in November, compared with a
decrease of $1.5 billion in October. Goods-producing industries' payrolls decreased $5.5 billion,
compared with a decrease of $3.2 billion; manufacturing payrolls decreased $3.0 billion, compared
with a decrease of $1.4 billion. Services-producing industries' payrolls decreased $3.2 billion, in
contrast to an increase of $1.9 billion. Government wage and salary disbursements increased $3.5
billion compared with an increase of $5.9 billion.

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-3-

Other personal income
Supplements to wages and salaries increased $0.8 billion in November, compared with an
increase of $2.3 billion in October.
Proprietors' income decreased $12.0 billion in November, in contrast to an increase of $1.2
billion in October. Farm proprietors' income decreased $3.9 billion, compared with a decrease of $5.3
billion. Nonfarm proprietors' income decreased $8.1 billion, in contrast to an increase of $6.5 billion.
Changes in nonfarm proprietors’ income reflected the impact of Hurricane Ike, which subtracted $8.8
billion (at an annual rate) in September.
Rental income of persons increased $3.0 billion in November, compared with an increase of
$31.0 billion in October. Changes in rental income reflected the impact of the hurricane, which
subtracted $26.6 billion (at an annual rate) in September.
Personal income receipts on assets (personal interest income plus personal dividend income)
decreased $14.0 billion, compared with a decrease of $14.2 billion.
Personal current transfer receipts increased $5.2 billion, in contrast to a decrease of $13.5 billion.
Changes in personal current transfer receipts primarily reflected the impact of net insurance
settlements associated with the hurricane, which added $26.9 billion (at an annual rate) in September.
Contributions for government social insurance -- a subtraction in calculating personal income -decreased $1.5 billion in November, compared with a decrease of $0.1 billion in October.

Personal current taxes and disposable personal income
Personal current taxes decreased $8.9 billion in November, compared with a decrease of $5.4
billion in October. Disposable personal income (DPI) -- personal income less personal current taxes - decreased $11.8 billion, or 0.1 percent, in November, in contrast to an increase of $16.7 billion, or
0.2 percent in October.

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-4-

Personal outlays and personal saving
Personal outlays -- PCE, personal interest payments, and personal current transfer payments -decreased $57.4 billion in November, compared with a decrease of $104.1 billion in October. PCE
decreased $56.1 billion, compared with a decrease of $102.6 billion.
Personal saving -- DPI less personal outlays -- was $298.0 billion in November, compared with
$252.3 billion in October. Personal saving as a percentage of disposable personal income was 2.8
percent in November, compared with 2.4 percent in October. Saving from current income may be
near zero or negative when outlays are financed by borrowing (including borrowing financed through
credit cards or home equity loans), by selling investments or other assets, or by using savings from
previous periods. For more information, see the FAQs on “Personal Saving” on BEA’s Web site. For
a comparison of personal saving in BEA’s national income and product accounts with personal saving
in the Federal Reserve Board’s flow of funds accounts and data on changes in net worth (which help
finance consumption), go to http://www.bea.gov/bea/dn/nipaweb/Nipa-Frb.asp.

Real DPI and real PCE
Real DPI -- DPI adjusted to remove price changes -- increased 1.0 percent in November,
compared with an increase of 0.7 percent in October.
Real PCE -- PCE adjusted to remove price changes -- increased 0.6 percent in November, in
contrast to a decrease of 0.5 percent in October. The increase in real PCE in November, in contrast to
the decrease in current-dollar PCE, reflects a decrease in the PCE implicit price deflator. Purchases of
durable goods increased 0.6 percent in November, in contrast to a decrease of 4.0 percent in October.
Purchases of nondurable goods increased 1.5 percent, in contrast to a decrease of 0.9 percent.
Purchases of services increased 0.1 percent, compared with an increase of 0.3 percent.
PCE price index -- the price index for PCE decreased 1.1 percent in November, compared with
a decrease of 0.5 percent in October. The PCE price index, excluding food and energy, was
essentially unchanged in November and in October.

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-5-

Revisions
Estimates have been revised for July through October. Changes in personal income, currentdollar and chained (2000) dollar DPI, and current-dollar and chained (2000) dollar PCE for September
and October -- revised and as published in last month's release -- are shown below.

Change from preceding month
September
Previous Revised
(Billions of dollars)

Personal Income:
Current dollars

October

Previous Revised
(Percent)

Previous Revised
(Billions of dollars)

Previous Revised
(Percent)

8.0

4.4

0.1

0.0

42.4

11.3

0.3

0.1

11.6
0.8

10.3
1.1

0.1
0.0

0.1
0.0

45.1
85.9

16.7
61.2

0.4
1.0

0.2
0.7

Personal consumption expenditures:
Current dollars
-33.7
Chained (2000) dollars
-35.7

-38.5
-38.3

-0.3
-0.4

-0.4
-0.5

-102.8
-37.2

-102.6
-38.6

-1.0
-0.5

-1.0
-0.5

Disposable personal income:
Current Dollars
Chained (2000) dollars

BEA’s national, international, regional, and industry estimates; the Survey of Current
Business; and BEA news releases are available without charge on BEA’s Web site at www.bea.gov.
By visiting the site, you can also subscribe to receive free e-mail summaries of BEA releases and
announcements.
*

*

*

Next release – February 2, 2009, at 8:30 A.M. EST for
Personal Income and Outlays for December.

Release Dates for 2009
December 2008..
January 2009…..
February 2009…
March 2009……

February 2
March 2
March 27
April 30

April 2009….
May 2009…..
June 2009…..
July 2009…...

June 1
June 26
August 4
August 28

-more-

August 2009…….
September 2009…
October 2009……
November 2009…

October 1
October 30
November 25
December 23

Table 1. Personal Income and Its Disposition (Months)
[Billions of dollars]
Seasonally adjusted at annual rates
2008

Personal income........................................................................................
Compensation of employees, received ...............................................
Wage and salary disbursements .......................................................
Private industries...............................................................................
Goods-producing industries ...........................................................
Manufacturing .............................................................................
Services-producing industries........................................................
Trade, transportation, and utilities...............................................
Other services-producing industries ...........................................
Government.......................................................................................
Supplements to wages and salaries.................................................
Employer contributions for employee pension and insurance funds..
Employer contributions for government social insurance ..................
Proprietors’ income with inventory valuation and capital
consumption adjustments.................................................................
Farm .....................................................................................................
Nonfarm................................................................................................
Rental income of persons with capital consumption adjustment.....
Personal income receipts on assets ....................................................
Personal interest income ......................................................................
Personal dividend income.....................................................................
Personal current transfer receipts .......................................................
Government social benefits to persons ................................................
Old-age, survivors, disability, and health insurance benefits .............
Government unemployment insurance benefits ................................
Other .................................................................................................
Other current transfer receipts, from business (net) .............................
Less: Contributions for government social insurance.......................

r

August r

September r

October r

November p

April

May

June

July

12,003.1
8,018.1
6,519.1
5,401.1
1,211.3
744.5
4,189.8
1,047.9
3,141.9
1,118.1
1,498.9
1,021.5
477.4

12,219.8
8,033.1
6,530.9
5,407.3
1,212.4
744.9
4,194.9
1,047.1
3,147.8
1,123.6
1,502.1
1,024.4
477.7

12,233.6
8,049.3
6,543.8
5,415.4
1,214.6
745.6
4,200.9
1,050.3
3,150.6
1,128.4
1,505.5
1,027.4
478.2

12,136.0
8,067.8
6,559.3
5,425.0
1,217.4
746.3
4,207.6
1,048.9
3,158.7
1,134.3
1,508.5
1,029.8
478.8

12,168.8
8,091.7
6,580.6
5,442.0
1,221.1
744.5
4,220.8
1,049.1
3,171.7
1,138.6
1,511.1
1,031.3
479.8

12,173.2
8,081.5
6,570.4
5,428.3
1,214.6
740.0
4,213.6
1,044.3
3,169.3
1,142.1
1,511.2
1,032.6
478.6

12,184.5
8,088.3
6,574.8
5,426.8
1,211.4
738.6
4,215.5
1,036.7
3,178.7
1,148.0
1,513.5
1,035.1
478.4

12,163.8
8,083.9
6,569.6
5,418.1
1,205.9
735.6
4,212.3
1,032.6
3,179.6
1,151.5
1,514.3
1,036.8
477.5

1,071.2
39.4
1,031.9
49.1
2,051.8
1,213.0
838.8
1,807.5
1,775.1
1,041.0
40.6
693.5
32.4
994.5

1,076.1
38.4
1,037.7
58.3
2,052.3
1,208.7
843.6
1,995.3
1,962.9
1,051.8
41.5
869.6
32.4
995.4

1,083.5
36.1
1,047.4
68.3
2,052.8
1,204.5
848.3
1,976.0
1,943.5
1,057.0
42.0
844.5
32.4
996.3

1,090.0
35.0
1,055.0
72.8
2,054.1
1,210.9
843.2
1,849.0
1,816.5
1,067.4
47.6
701.5
32.5
997.7

1,079.8
32.5
1,047.3
77.3
2,055.6
1,217.4
838.2
1,864.3
1,831.7
1,067.5
62.4
701.9
32.6
999.8

1,071.8
29.6
1,042.2
55.5
2,057.3
1,223.8
833.4
1,904.8
1,845.3
1,072.0
67.5
705.8
59.5
997.8

1,073.0
24.3
1,048.7
86.5
2,043.1
1,205.2
837.9
1,891.3
1,858.6
1,074.5
68.5
715.6
32.7
997.7

1,061.0
20.4
1,040.6
89.5
2,029.1
1,186.5
842.6
1,896.5
1,863.8
1,083.4
65.4
715.0
32.8
996.2

Less: Personal current taxes ...................................................................

1,527.5

1,147.9

1,363.0

1,371.3

1,520.3

1,514.3

1,508.9

1,500.0

Equals: Disposable personal income......................................................

10,475.6

11,071.9

10,870.6

10,764.7

10,648.6

10,658.9

10,675.6

10,663.8

Less: Personal outlays .............................................................................
Personal consumption expenditures ........................................................
Durable goods ......................................................................................
Nondurable goods ................................................................................
Services................................................................................................
Personal interest payments 1 ...................................................................
Personal current transfer payments .........................................................
To government ......................................................................................
To the rest of the world (net) .................................................................

10,474.2
10,073.5
1,063.2
2,990.4
6,019.9
254.7
146.1
83.4
62.7

10,544.3
10,144.2
1,065.5
3,025.4
6,053.3
253.8
146.4
83.7
62.7

10,595.9
10,196.4
1,049.1
3,063.0
6,084.2
252.9
146.7
84.0
62.7

10,585.0
10,187.1
1,016.6
3,068.4
6,102.0
250.9
147.1
84.4
62.7

10,567.4
10,170.9
1,033.7
3,042.4
6,094.8
248.9
147.5
84.8
62.7

10,527.3
10,132.4
998.4
3,022.9
6,111.2
246.9
148.0
85.3
62.7

10,423.2
10,029.8
955.6
2,939.2
6,135.0
245.0
148.5
85.8
62.7

10,365.8
9,973.7
955.9
2,875.8
6,142.0
243.1
149.0
86.3
62.7

Equals: Personal saving ...........................................................................
Personal saving as a percentage of disposable personal income....

1.4
0.0

527.5
4.8

274.7
2.5

179.7
1.7

81.2
0.8

131.6
1.2

252.3
2.4

298.0
2.8

8,667.3

9,119.1

8,885.5

8,751.0

8,657.6

8,658.7

8,719.9

8,808.0

34,427
28,484
304,287

36,358
29,946
304,521

35,668
29,154
304,775

35,290
28,688
305,039

34,878
28,357
305,311

34,880
28,334
305,589

34,905
28,510
305,850

34,839
28,776
306,090

Addenda:
Disposable personal income:
Total, billions of chained (2000) dollars 2 ..............................................
Per capita:
Current dollars...................................................................................
Chained (2000) dollars ......................................................................
Population (midperiod, thousands) 3........................................................

p Preliminary
r Revised
1. Consists of nonmortgage interest paid by households.
2. Equals disposable personal income deflated by the implicit price deflator for personal consumption expenditures.
3. Population is the total population of the United States, including the Armed Forces overseas and the institutionalized population. The monthly estimate is the average of estimates for the first of the month and the
first of the following month; the annual and quarterly estimates are averages of the monthly estimates.

Table 2. Personal Income and Its Disposition (Years and Quarters)
[Billions of dollars]
Seasonally adjusted at annual rates
2006

2007

2007
II

Personal income........................................................................................
Compensation of employees, received ...............................................
Wage and salary disbursements .......................................................
Private industries...............................................................................
Goods-producing industries ...........................................................
Manufacturing .............................................................................
Services-producing industries........................................................
Trade, transportation, and utilities...............................................
Other services-producing industries ...........................................
Government.......................................................................................
Supplements to wages and salaries.................................................
Employer contributions for employee pension and insurance funds..
Employer contributions for government social insurance ..................
Proprietors’ income with inventory valuation and capital
consumption adjustments.................................................................
Farm .....................................................................................................
Nonfarm................................................................................................
Rental income of persons with capital consumption adjustment.....
Personal income receipts on assets ....................................................
Personal interest income ......................................................................
Personal dividend income.....................................................................
Personal current transfer receipts .......................................................
Government social benefits to persons ................................................
Old-age, survivors, disability, and health insurance benefits .............
Government unemployment insurance benefits ................................
Other .................................................................................................
Other current transfer receipts, from business (net) .............................
Less: Contributions for government social insurance.......................

III

2008
IV

I

III r

II

10,993.9
7,432.6
6,027.2
5,004.2
1,167.2
731.2
3,837.1
986.7
2,850.4
1,023.0
1,405.3
956.8
448.5

11,663.2
7,818.6
6,362.0
5,286.7
1,205.4
746.0
4,081.3
1,035.2
3,046.1
1,075.2
1,456.6
991.9
464.7

11,577.5
7,760.1
6,310.7
5,242.5
1,200.7
744.0
4,041.9
1,036.5
3,005.4
1,068.1
1,449.4
987.7
461.7

11,730.4
7,839.3
6,377.7
5,297.0
1,204.3
743.4
4,092.6
1,035.3
3,057.4
1,080.8
1,461.6
996.5
465.1

11,872.1
7,941.0
6,465.5
5,373.4
1,218.2
750.2
4,155.3
1,048.3
3,106.9
1,092.1
1,475.5
1,005.9
469.6

11,960.5
8,009.7
6,518.0
5,408.3
1,217.7
748.4
4,190.5
1,050.4
3,140.2
1,109.7
1,491.7
1,015.3
476.4

12,152.2
8,033.5
6,531.3
5,407.9
1,212.7
745.0
4,195.2
1,048.4
3,146.7
1,123.4
1,502.2
1,024.4
477.8

12,159.4
8,080.4
6,570.1
5,431.7
1,217.7
743.6
4,214.0
1,047.4
3,166.6
1,138.3
1,510.3
1,031.2
479.0

1,014.7
16.2
998.6
44.3
1,824.8
1,125.4
699.4
1,603.0
1,578.1
938.9
29.9
609.3
24.9
925.5

1,056.2
44.0
1,012.2
40.0
2,000.1
1,214.3
785.8
1,713.3
1,681.4
999.4
32.3
649.6
31.9
965.1

1,050.2
42.3
1,007.9
44.6
1,982.5
1,206.1
776.5
1,699.2
1,667.5
997.5
31.2
638.8
31.7
959.1

1,063.8
47.4
1,016.4
41.8
2,030.9
1,236.2
794.7
1,720.6
1,688.0
1,008.8
32.5
646.7
32.5
966.0

1,073.8
47.1
1,026.7
38.6
2,056.2
1,242.7
813.5
1,737.8
1,704.7
1,009.6
34.3
660.9
33.1
975.3

1,071.7
41.6
1,030.1
39.1
2,054.1
1,224.6
829.5
1,778.1
1,745.8
1,032.4
38.2
675.3
32.2
992.2

1,076.9
38.0
1,039.0
58.6
2,052.3
1,208.7
843.6
1,926.3
1,893.9
1,050.0
41.4
802.5
32.4
995.4

1,080.5
32.4
1,048.2
68.5
2,055.7
1,217.4
838.3
1,872.7
1,831.2
1,068.9
59.2
703.1
41.5
998.4

Less: Personal current taxes ...................................................................

1,353.2

1,492.8

1,489.4

1,501.6

1,520.5

1,535.0

1,346.1

1,468.6

Equals: Disposable personal income......................................................

9,640.7

10,170.5

10,088.0

10,228.8

10,351.5

10,425.5

10,806.0

10,690.7

Less: Personal outlays .............................................................................
Personal consumption expenditures ........................................................
Durable goods ......................................................................................
Nondurable goods ................................................................................
Services................................................................................................
Personal interest payments 1 ...................................................................
Personal current transfer payments .........................................................
To government ......................................................................................
To the rest of the world (net) .................................................................

9,570.0
9,207.2
1,052.1
2,685.2
5,469.9
235.4
127.4
76.2
51.1

10,113.1
9,710.2
1,082.8
2,833.0
5,794.4
265.4
137.5
81.2
56.3

10,056.9
9,657.5
1,085.3
2,817.7
5,754.4
262.6
136.9
80.8
56.0

10,182.0
9,765.6
1,086.2
2,846.6
5,832.8
278.2
138.1
81.8
56.3

10,309.2
9,892.7
1,083.0
2,906.2
5,903.5
276.7
139.8
82.5
57.3

10,404.9
10,002.3
1,071.0
2,950.7
5,980.6
261.7
140.8
82.9
57.9

10,538.2
10,138.0
1,059.3
3,026.2
6,052.5
253.8
146.4
83.7
62.7

10,559.9
10,163.5
1,016.2
3,044.6
6,102.7
248.9
147.5
84.8
62.7

Equals: Personal saving ...........................................................................
Personal saving as a percentage of disposable personal income....

70.7
0.7

57.4
0.6

31.1
0.3

46.8
0.5

42.4
0.4

20.6
0.2

267.9
2.5

130.8
1.2

8,407.0

8,644.0

8,604.5

8,671.1

8,683.1

8,667.9

8,891.0

8,689.1

32,222
28,098
299,199

33,667
28,614
302,087

33,441
28,523
301,667

33,820
28,669
302,452

34,138
28,636
303,225

34,309
28,525
303,868

35,485
29,196
304,528

35,016
28,460
305,313

Addenda:
Disposable personal income:
Total, billions of chained (2000) dollars 2 ..............................................
Per capita:
Current dollars...................................................................................
Chained (2000) dollars ......................................................................
Population (midperiod, thousands) 3........................................................

r Revised
1. Consists of nonmortgage interest paid by households.
2. Equals disposable personal income deflated by the implicit price deflator for personal consumption expenditures.
3. Population is the total population of the United States, including the Armed Forces overseas and the institutionalized population. The monthly estimate is the average of estimates for the first of the month and
the first of the following month; the annual and quarterly estimates are averages of the monthly estimates.

Table 3. Personal Income and Its Disposition, Change from Preceding Period (Months)
[Billions of dollars]
Seasonally adjusted at annual rates
2008
April

May

June

July

r

August r

September r

October r

November p

Personal income........................................................................................
Compensation of employees, received ...............................................
Wage and salary disbursements .......................................................
Private industries...............................................................................
Goods-producing industries ...........................................................
Manufacturing .............................................................................
Services-producing industries........................................................
Trade, transportation, and utilities...............................................
Other services-producing industries ...........................................
Government.......................................................................................
Supplements to wages and salaries.................................................
Employer contributions for employee pension and insurance funds..
Employer contributions for government social insurance ..................
Proprietors’ income with inventory valuation and capital
consumption adjustments.................................................................
Farm .....................................................................................................
Nonfarm................................................................................................
Rental income of persons with capital consumption adjustment.....
Personal income receipts on assets ....................................................
Personal interest income ......................................................................
Personal dividend income.....................................................................
Personal current transfer receipts .......................................................
Government social benefits to persons ................................................
Old-age, survivors, disability, and health insurance benefits .............
Government unemployment insurance benefits ................................
Other .................................................................................................
Other current transfer receipts, from business (net) .............................
Less: Contributions for government social insurance.......................

4.1
–21.3
–26.6
–31.1
–9.9
–5.5
–21.2
–6.0
–15.2
4.7
5.2
5.8
–0.6

216.7
15.0
11.8
6.2
1.1
0.4
5.1
–0.8
5.9
5.5
3.2
2.9
0.3

13.8
16.2
12.9
8.1
2.2
0.7
6.0
3.2
2.8
4.8
3.4
3.0
0.5

–97.6
18.5
15.5
9.6
2.8
0.7
6.7
–1.4
8.1
5.9
3.0
2.4
0.6

32.8
23.9
21.3
17.0
3.7
–1.8
13.2
0.2
13.0
4.3
2.6
1.5
1.0

4.4
–10.2
–10.2
–13.7
–6.5
–4.5
–7.2
–4.8
–2.4
3.5
0.1
1.3
–1.2

11.3
6.8
4.4
–1.5
–3.2
–1.4
1.9
–7.6
9.4
5.9
2.3
2.5
–0.2

–20.7
–4.4
–5.2
–8.7
–5.5
–3.0
–3.2
–4.1
0.9
3.5
0.8
1.7
–0.9

–0.2
–1.6
1.5
8.6
0.1
–4.2
4.3
16.2
16.2
–1.5
1.3
16.4
0.0
–0.8

4.9
–1.0
5.8
9.2
0.5
–4.3
4.8
187.8
187.8
10.8
0.9
176.1
0.0
0.9

7.4
–2.3
9.7
10.0
0.5
–4.2
4.7
–19.3
–19.4
5.2
0.5
–25.1
0.0
0.9

6.5
–1.1
7.6
4.5
1.3
6.4
–5.1
–127.0
–127.0
10.4
5.6
–143.0
0.1
1.4

–10.2
–2.5
–7.7
4.5
1.5
6.5
–5.0
15.3
15.2
0.1
14.8
0.4
0.1
2.1

–8.0
–2.9
–5.1
–21.8
1.7
6.4
–4.8
40.5
13.6
4.5
5.1
3.9
26.9
–2.0

1.2
–5.3
6.5
31.0
–14.2
–18.6
4.5
–13.5
13.3
2.5
1.0
9.8
–26.8
–0.1

–12.0
–3.9
–8.1
3.0
–14.0
–18.7
4.7
5.2
5.2
8.9
–3.1
–0.6
0.1
–1.5

Less: Personal current taxes ...................................................................

–12.7

–379.6

215.1

8.3

149.0

–6.0

–5.4

–8.9

Equals: Disposable personal income......................................................

16.8

596.3

–201.3

–105.9

–116.1

10.3

16.7

–11.8

Less: Personal outlays .............................................................................
Personal consumption expenditures ........................................................
Durable goods ......................................................................................
Nondurable goods ................................................................................
Services................................................................................................
Personal interest payments 1 ...................................................................
Personal current transfer payments .........................................................
To government ......................................................................................
To the rest of the world (net) .................................................................

37.9
33.8
–2.1
20.2
15.7
–0.9
5.1
0.3
4.8

70.1
70.7
2.3
35.0
33.4
–0.9
0.3
0.3
0.0

51.6
52.2
–16.4
37.6
30.9
–0.9
0.3
0.3
0.0

–10.9
–9.3
–32.5
5.4
17.8
–2.0
0.4
0.4
0.0

–17.6
–16.2
17.1
–26.0
–7.2
–2.0
0.4
0.4
0.0

–40.1
–38.5
–35.3
–19.5
16.4
–2.0
0.5
0.5
0.0

–104.1
–102.6
–42.8
–83.7
23.8
–1.9
0.5
0.5
0.0

–57.4
–56.1
0.3
–63.4
7.0
–1.9
0.5
0.5
0.0

Equals: Personal saving ...........................................................................

–21.1

526.1

–252.8

–95.0

–98.5

50.4

120.7

45.7

Addendum:
Real disposable personal income, billions of chained (2000) dollars 2 ....

–6.5

451.8

–233.6

–134.5

–93.4

1.1

61.2

88.1

p Preliminary
r Revised
1. Consists of nonmortgage interest paid by households.
2. Equals disposable personal income deflated by the implicit price deflator for personal consumption expenditures.

Table 4. Personal Income and Its Disposition, Change from Preceding Period (Years and Quarters)
[Billions of dollars]
Seasonally adjusted at annual rates
2006

2007

2007
II

III

2008
IV

I

III r

II

Personal income........................................................................................
Compensation of employees, received ...............................................
Wage and salary disbursements .......................................................
Private industries...............................................................................
Goods-producing industries ...........................................................
Manufacturing .............................................................................
Services-producing industries........................................................
Trade, transportation, and utilities...............................................
Other services-producing industries ...........................................
Government.......................................................................................
Supplements to wages and salaries.................................................
Employer contributions for employee pension and insurance funds..
Employer contributions for government social insurance ..................
Proprietors’ income with inventory valuation and capital
consumption adjustments.................................................................
Farm .....................................................................................................
Nonfarm................................................................................................
Rental income of persons with capital consumption adjustment.....
Personal income receipts on assets ....................................................
Personal interest income ......................................................................
Personal dividend income.....................................................................
Personal current transfer receipts .......................................................
Government social benefits to persons ................................................
Old-age, survivors, disability, and health insurance benefits .............
Government unemployment insurance benefits ................................
Other .................................................................................................
Other current transfer receipts, from business (net) .............................
Less: Contributions for government social insurance.......................

724.1
406.8
355.5
313.3
68.0
27.2
245.4
48.5
196.9
42.3
51.2
30.8
20.4

669.3
386.0
334.8
282.5
38.2
14.8
244.2
48.5
195.7
52.2
51.3
35.1
16.2

104.5
26.1
16.7
8.5
2.3
–2.4
6.3
15.7
–9.4
8.2
9.4
10.1
–0.6

152.9
79.2
67.0
54.5
3.6
–0.6
50.7
–1.2
52.0
12.7
12.2
8.8
3.4

141.7
101.7
87.8
76.4
13.9
6.8
62.7
13.0
49.5
11.3
13.9
9.4
4.5

88.4
68.7
52.5
34.9
–0.5
–1.8
35.2
2.1
33.3
17.6
16.2
9.4
6.8

191.7
23.8
13.3
–0.4
–5.0
–3.4
4.7
–2.0
6.5
13.7
10.5
9.1
1.4

7.2
46.9
38.8
23.8
5.0
–1.4
18.8
–1.0
19.9
14.9
8.1
6.8
1.2

54.9
–17.9
72.9
3.4
227.9
103.4
124.5
82.3
96.2
94.4
–1.4
3.2
–13.9
51.2

41.5
27.8
13.6
–4.3
175.3
88.9
86.4
110.3
103.3
60.5
2.4
40.3
7.0
39.6

13.0
3.0
10.0
9.5
51.6
33.9
17.8
3.5
2.2
15.6
–0.1
–13.3
1.3
–0.7

13.6
5.1
8.5
–2.8
48.4
30.1
18.2
21.4
20.5
11.3
1.3
7.9
0.8
6.9

10.0
–0.3
10.3
–3.2
25.3
6.5
18.8
17.2
16.7
0.8
1.8
14.2
0.6
9.3

–2.1
–5.5
3.4
0.5
–2.1
–18.1
16.0
40.3
41.1
22.8
3.9
14.4
–0.9
16.9

5.2
–3.6
8.9
19.5
–1.8
–15.9
14.1
148.2
148.1
17.6
3.2
127.2
0.2
3.2

3.6
–5.6
9.2
9.9
3.4
8.7
–5.3
–53.6
–62.7
18.9
17.8
–99.4
9.1
3.0

Less: Personal current taxes ...................................................................

145.4

139.6

29.9

12.2

18.9

14.5

–188.9

122.5

Equals: Disposable personal income......................................................

578.7

529.8

74.5

140.8

122.7

74.0

380.5

–115.3

Less: Personal outlays .............................................................................
Personal consumption expenditures ........................................................
Durable goods ......................................................................................
Nondurable goods ................................................................................
Services................................................................................................
Personal interest payments 1 ...................................................................
Personal current transfer payments .........................................................
To government ......................................................................................
To the rest of the world (net) .................................................................

540.5
513.1
31.3
171.1
310.7
20.4
7.0
3.7
3.2

543.1
503.0
30.7
147.8
324.5
30.0
10.1
5.0
5.2

152.7
132.6
8.7
56.2
67.6
18.6
1.6
1.2
0.3

125.1
108.1
0.9
28.9
78.4
15.6
1.2
1.0
0.3

127.2
127.1
–3.2
59.6
70.7
–1.5
1.7
0.7
1.0

95.7
109.6
–12.0
44.5
77.1
–15.0
1.0
0.4
0.6

133.3
135.7
–11.7
75.5
71.9
–7.9
5.6
0.8
4.8

21.7
25.5
–43.1
18.4
50.2
–4.9
1.1
1.1
0.0

Equals: Personal saving ...........................................................................

38.2

–13.3

–78.2

15.7

–4.4

–21.8

247.3

–137.1

Addendum:
Real disposable personal income, billions of chained (2000) dollars 2 ....

285.6

237.0

–13.2

66.6

12.0

–15.2

223.1

–201.9

r Revised
1. Consists of nonmortgage interest paid by households.
2. Equals disposable personal income deflated by the implicit price deflator for personal consumption expenditures.

Table 5. Personal Income and Its Disposition, Percent Change from Preceding Period (Months)
Seasonally adjusted at monthly rates
2008
April

May

July r

June

August r

September r

October r

November p

Based on current-dollar measures
Personal income........................................................................................
Compensation of employees, received ....................................................
Wage and salary disbursements ..........................................................
Supplements to wages and salaries.....................................................
Proprietors’ income with inventory valuation and capital consumption
adjustments ..........................................................................................
Rental income of persons with capital consumption adjustment .............
Personal income receipts on assets ........................................................
Personal interest income ......................................................................
Personal dividend income.....................................................................
Personal current transfer receipts ............................................................
Less: Contributions for government social insurance ..............................

0.0
–0.3
–0.4
0.4

1.8
0.2
0.2
0.2

0.1
0.2
0.2
0.2

–0.8
0.2
0.2
0.2

0.3
0.3
0.3
0.2

0.0
–0.1
–0.2
0.0

0.1
0.1
0.1
0.2

–0.2
–0.1
–0.1
0.1

0.0
21.0
0.0
–0.3
0.5
0.9
–0.1

0.5
18.9
0.0
–0.3
0.6
10.4
0.1

0.7
17.0
0.0
–0.4
0.6
–1.0
0.1

0.6
6.6
0.1
0.5
–0.6
–6.4
0.1

–0.9
6.2
0.1
0.5
–0.6
0.8
0.2

–0.7
–28.1
0.1
0.5
–0.6
2.2
–0.2

0.1
55.7
–0.7
–1.5
0.5
–0.7
0.0

–1.1
3.4
–0.7
–1.5
0.6
0.3
–0.2

Less: Personal current taxes ...................................................................

–0.8

–24.9

18.7

0.6

10.9

–0.4

–0.4

–0.6

Equals: Disposable personal income......................................................

0.2

5.7

–1.8

–1.0

–1.1

0.1

0.2

–0.1

Addenda:
Personal consumption expenditures ........................................................
Durable goods ......................................................................................
Nondurable goods ................................................................................
Services................................................................................................

0.3
–0.2
0.7
0.3

0.7
0.2
1.2
0.6

0.5
–1.5
1.2
0.5

–0.1
–3.1
0.2
0.3

–0.2
1.7
–0.8
–0.1

–0.4
–3.4
–0.6
0.3

–1.0
–4.3
–2.8
0.4

–0.6
0.0
–2.2
0.1

Real disposable personal income ............................................................

–0.1

5.2

0.0

0.7

1.0

Based on chained (2000) dollar measures
–2.6

–1.5

–1.1

p Preliminary
r Revised

Table 6. Personal Income and Its Disposition, Percent Change from Preceding Period (Years and Quarters)
Seasonally adjusted at annual rates
2006

2007

2007
II

2008

III

IV

I

III r

II

Based on current-dollar measures
Personal income........................................................................................
Compensation of employees, received ....................................................
Wage and salary disbursements ..........................................................
Supplements to wages and salaries.....................................................
Proprietors’ income with inventory valuation and capital consumption
adjustments ..........................................................................................
Rental income of persons with capital consumption adjustment .............
Personal income receipts on assets ........................................................
Personal interest income ......................................................................
Personal dividend income.....................................................................
Personal current transfer receipts ............................................................
Less: Contributions for government social insurance ..............................

7.1
5.8
6.3
3.8

6.1
5.2
5.6
3.7

3.7
1.4
1.1
2.7

5.4
4.1
4.3
3.4

4.9
5.3
5.6
3.9

3.0
3.5
3.3
4.5

6.6
1.2
0.8
2.8

0.2
2.4
2.4
2.2

5.7
8.3
14.3
10.1
21.7
5.4
5.9

4.1
–9.6
9.6
7.9
12.4
6.9
4.3

5.1
161.0
11.1
12.1
9.7
0.8
–0.3

5.3
–22.7
10.1
10.4
9.8
5.1
2.9

3.8
–27.3
5.1
2.1
9.8
4.1
3.9

–0.8
5.3
–0.4
–5.7
8.1
9.6
7.1

2.0
401.3
–0.3
–5.1
7.0
37.8
1.3

1.3
87.6
0.7
2.9
–2.5
–10.7
1.2

Less: Personal current taxes ...................................................................

12.0

10.3

8.5

3.3

5.1

3.9

–40.8

41.7

Equals: Disposable personal income......................................................

6.4

5.5

3.0

5.7

4.9

2.9

15.4

–4.2

Addenda:
Personal consumption expenditures ........................................................
Durable goods ......................................................................................
Nondurable goods ................................................................................
Services................................................................................................

5.9
3.1
6.8
6.0

5.5
2.9
5.5
5.9

5.7
3.3
8.4
4.8

4.6
0.3
4.2
5.6

5.3
–1.2
8.7
4.9

4.5
–4.3
6.3
5.3

5.5
–4.3
10.6
4.9

1.0
–15.3
2.4
3.4

Real disposable personal income ............................................................

3.5

2.8

–0.7

10.7

–8.8

Based on chained (2000) dollar measures

r Revised

–0.6

3.1

0.6

Table 7. Real Personal Consumption Expenditures by Major Type of Product (Months)
2008
April

May

June

July

r

August r

September r

October r

November p

Billions of chained (2000) dollars, seasonally adjusted at annual rates
Personal consumption expenditures ......................................................
Durable goods..........................................................................................
Nondurable goods....................................................................................
Services ...................................................................................................

8,334.6
1,230.8
2,419.0
4,705.7

8,355.1
1,237.1
2,427.3
4,712.8

8,334.4
1,217.0
2,415.9
4,717.9

8,281.4
1,178.5
2,392.0
4,716.6

8,269.3
1,200.4
2,378.5
4,703.9

8,231.0
1,161.4
2,358.3
4,713.4

8,192.4
1,114.6
2,336.6
4,729.1

8,238.0
1,121.7
2,370.9
4,734.5

Change from preceding period in billions of chained (2000) dollars, seasonally adjusted at annual rates
Personal consumption expenditures ......................................................
Durable goods..........................................................................................
Nondurable goods....................................................................................
Services ...................................................................................................

8.4
1.3
8.9
–1.6

20.5
6.3
8.3
7.1

–20.7
–20.1
–11.4
5.1

–53.0
–38.5
–23.9
–1.3

–12.1
21.9
–13.5
–12.7

–38.3
–39.0
–20.2
9.5

–38.6
–46.8
–21.7
15.7

45.6
7.1
34.3
5.4

Percent change from preceding period in chained (2000) dollars, seasonally adjusted at monthly rates
Personal consumption expenditures ......................................................
Durable goods..........................................................................................
Nondurable goods....................................................................................
Services ...................................................................................................

0.1
0.1
0.4
0.0

0.2
0.5
0.3
0.2

–0.2
–1.6
–0.5
0.1

–0.6
–3.2
–1.0
0.0

–0.1
1.9
–0.6
–0.3

–0.5
–3.2
–0.8
0.2

–0.5
–4.0
–0.9
0.3

0.6
0.6
1.5
0.1

p Preliminary
r Revised

Table 8. Real Personal Consumption Expenditures by Major Type of Product (Years and Quarters)
Seasonally adjusted at annual rates
2006

2007

2007
II

2008

III

IV

I

II

III r

8,341.3
1,228.3
2,420.7
4,712.1

8,260.6
1,180.1
2,376.3
4,711.3

25.2
–8.7
22.8
7.8

–80.7
–48.2
–44.4
–0.8

1.2
–2.8
3.9
0.7

–3.8
–14.8
–7.1
–0.1

Billions of chained (2000) dollars
Personal consumption expenditures ......................................................
Durable goods..........................................................................................
Nondurable goods....................................................................................
Services ...................................................................................................

8,029.0
1,185.1
2,335.3
4,529.9

8,252.8
1,242.4
2,392.6
4,646.2

Personal consumption expenditures ......................................................
Durable goods..........................................................................................
Nondurable goods....................................................................................
Services ...................................................................................................

237.3
50.7
82.6
109.0

223.8
57.3
57.3
116.3

8,237.3
1,242.3
2,391.5
4,632.7

8,278.5
1,249.4
2,398.6
4,659.8

8,298.2
1,250.6
2,400.2
4,676.1

8,316.1
1,237.0
2,397.9
4,704.3

Change from preceding period in billions of chained (2000) dollars
40.1
15.0
11.4
16.6

41.2
7.1
7.1
27.1

19.7
1.2
1.6
16.3

17.9
–13.6
–2.3
28.2

Percent change from preceding period in chained (2000) dollars
Personal consumption expenditures ......................................................
Durable goods..........................................................................................
Nondurable goods....................................................................................
Services ...................................................................................................
r Revised

3.0
4.5
3.7
2.5

2.8
4.8
2.5
2.6

2.0
5.0
1.9
1.4

2.0
2.3
1.2
2.4

1.0
0.4
0.3
1.4

0.9
–4.3
–0.4
2.4

Table 9. Price Indexes for Personal Consumption Expenditures:
Level and Percent Change From Preceding Period (Months)
2008
June

July

r

August r

September r

October r

November p

April

May

Personal consumption expenditures (PCE)............................................
Durable goods..........................................................................................
Nondurable goods....................................................................................
Services ...................................................................................................

120.869
86.382
123.625
127.934

121.419
86.123
124.646
128.451

122.346
86.205
126.793
128.967

123.017
86.264
128.282
129.379

123.002
86.110
127.920
129.574

123.106
85.957
128.186
129.661

122.433
85.737
125.797
129.732

121.075
85.216
121.304
129.734

Addenda:
PCE excluding food and energy...............................................................
Market-based PCE 1 ................................................................................
Market-based PCE excluding food and energy 1 .....................................

116.532
119.003
113.309

116.742
119.578
113.482

117.072
120.574
113.775

117.286
121.348
114.025

117.493
121.292
114.230

117.664
121.406
114.427

117.654
120.638
114.437

117.646
119.065
114.443

Chain-type price indexes (2000=100), seasonally adjusted

Percent change from preceding period in price indexes, seasonally adjusted at monthly rates
PCE.............................................................................................................
Durable goods..........................................................................................
Nondurable goods....................................................................................
Services ...................................................................................................

0.2
–0.3
0.3
0.3

0.5
–0.3
0.8
0.4

0.8
0.1
1.7
0.4

0.5
0.1
1.2
0.3

0.0
–0.2
–0.3
0.2

0.1
–0.2
0.2
0.1

–0.5
–0.3
–1.9
0.1

–1.1
–0.6
–3.6
0.0

Addenda:
PCE excluding food and energy...............................................................
Market-based PCE 1 ................................................................................
Market-based PCE excluding food and energy 1 .....................................

0.2
0.3
0.2

0.2
0.5
0.2

0.3
0.8
0.3

0.2
0.6
0.2

0.2
0.0
0.2

0.1
0.1
0.2

0.0
–0.6
0.0

0.0
–1.3
0.0

p Preliminary
r Revised
1. This index is a supplemental measure that is based on household expenditures for which there are observable price measures. It excludes most implicit prices (for example, the services furnished without
payment by financial intermediaries) and the expenses of nonprofit institutions.

Table 10. Real Disposable Personal Income and Real Personal Consumption Expenditures:
Percent Change From Month One Year Ago
2008
April

May

July r

June

August r

September r

October r

November p

Disposable personal income....................................................................

0.7

6.1

3.2

1.2

–0.2

–0.4

0.4

1.6

Personal consumption expenditures ......................................................
Durable goods..........................................................................................
Nondurable goods....................................................................................
Services ...................................................................................................

1.3
–0.1
1.5
1.5

1.4
–1.7
1.4
2.0

1.1
–1.6
0.7
1.7

0.2
–4.4
–0.6
1.4

–0.2
–4.4
–0.5
0.7

–0.6
–7.8
–1.7
1.2

–1.0
–11.3
–2.4
1.6

–0.9
–10.4
–1.4
1.1

p Preliminary
r Revised

Table 11. Price Indexes for Personal Consumption Expenditures:
Percent Change From Month One Year Ago
2008
April

May

June

July

r

August r

September r

October r

November p

Personal consumption expenditures (PCE)............................................
Durable goods..........................................................................................
Nondurable goods....................................................................................
Services ...................................................................................................

3.4
–1.2
5.5
3.3

3.5
–1.3
5.6
3.4

4.1
–1.3
7.2
3.5

4.5
–1.1
8.2
3.7

4.4
–0.9
8.0
3.5

4.1
–0.9
7.7
3.2

3.2
–1.2
5.3
3.0

1.4
–1.6
–0.2
2.8

Addenda:
PCE excluding food and energy...............................................................
Market-based PCE 1 ................................................................................
Market-based PCE excluding food and energy 1 .....................................

2.2
3.3
1.8

2.2
3.5
1.9

2.3
4.1
2.0

2.4
4.6
2.1

2.4
4.6
2.2

2.3
4.3
2.1

2.0
3.3
1.9

1.9
1.3
1.8

p Preliminary
r Revised
1. This index is a supplemental measure that is based on household expenditures for which there are observable price measures. It excludes most implicit prices (for example, the services furnished without
payment by financial intermediaries) and the expenses of nonprofit institutions.