Money which a person has earned but not spent. Savings are usually kept in a savings account in a bank or credit union, where they can earn interest by being loaned out to others. However, cash stuffed under your bed or in a piggy bank can also be considered savings.

Savings are usually considered distinct from investments, in that investments (such as stocks, bonds, or mutual funds) are presumed to be risky, whereas savings are presumed to be ... well ... safe.