Households play one of the most important roles in the development of any country’s economy. These entities can generate savings and transfer them to financial institutions, having a strong impact on the development of both the financial system and the national economy as a whole.The importance of household savings for the creation of favorable investment conditions for, above all, business entities, leads to increased interest of scientists in conducting research in this area. Within the article, the essence of the category “household savings” is analyzed, and some typesof such savings are considered. The detailed analysis of scientific concepts to consider the outlined category allowed to identify two approaches used by scientists in detailing its content: macroeconomic – household savings are considered from the standpoint of the national economy development;microeconomic – household savings are considered as a financial resource of the household as an economic entity, the mechanisms of their formation and further use are substantiated first. The author’s approach to the interpretation of the category “household savings” is also substantiated,namely – a set of temporarily free financial resources of households, which were formed because of the excess income over expenditures to obtain additional income or further use in the future. Within the article, the essence of organized and non-organized savings of households are considered, theirspecific features are identified. It is substantiated that organized savings are important for intensifying investment processes in the country. However, their formation is complicated by several different external and internal obstacles.Household savings as an integral part of the financial system and the national economy in general, according to the study, play an important role in economic development. Their formation, involvement, and use are quite complex processes that are difficult to formalize. However, theseprocesses can be regulated to ensure the transformation of household savings into investment resources. This requires the use of the full range of methods, tools, and levers of government regulation in this sphere.

У статті проведено аналіз сутності категорії «заощадження домогосподарств» та розглянуто окремі види таких заощаджень. Детальний аналіз наукових концепцій до розгляду окресленої категорії дозволив виокремити два підходи, які використовуються вченими для деталізації її змісту: макроекономічний; мікроекономічний; обґрунтовано їхню сутність. На основі отриманих результатів дослідження сформульованоавторський підхід до трактування категорії «заощадження домогосподарств». У статті також розглянуто сутність організованих та неорганізованих заощаджень домогосподарств, визначено їхні специфічні риси та особливості формування.