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Greetings, Zak, and welcome. You asked:

<<hi, can someone tell me what the US personal savings rate is and how it is calculated?>>

It's calculated by the Bureau of Economic Analysis who defines it as personal income less the sum of personal outlays and personal tax and nontax payments. For the methodology, see the BEA's description at http://beadata.bea.doc.gov/bea/ARTICLES/NATIONAL/NIPA/1998/0398niw.pdf.

Regards..Pixy
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