Top Five Trends in Income and Expenditure

May 2025

In 2024, global disposable income per capita growth slowed to 2% in real terms, with a further slowdown expected in 2025. Amidst geopolitical uncertainty and economic turbulence, consumers are becoming increasingly strategic about their spending. By identifying key demand shifts and providing actionable insights, this report equips businesses to serve value-focused consumers, tap into underserved markets, and capitalise on emerging growth opportunities.

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Key Findings

Uncertainty sparks selective spending

Amid geopolitical and economic uncertainty, global consumers have adopted a more strategic spending approach, resulting in a slowdown in real terms growth in total discretionary spending from 3.7% in 2023 to 2.5% in 2024. Regionally, non-essentials in Australasia grew at the slowest rate, while the Asia Pacific region maintained the highest growth. The spending on discretionary categories is projected to accelerate slightly (growing by 2.8%) in 2025.

Inflation expectations sustain consumers’ cautiousness

Despite inflation easing in 2024, economic uncertainty and lingering higher inflation expectations mean that consumers remain cautious and price-sensitive. With more turbulence expected in 2025, 71% of global consumers are concerned about their everyday expenses increasing, as per Euromonitor’s Voice of the Consumer: Lifestyles survey 2025.

Growth in low-income earners spurs market polarisation

In 2024, inequality rose in nearly 68% of the researched countries, with a further rise expected in 2025. The Middle East, particularly Saudi Arabia, Oman and the UAE, saw the most significant increases. India, Bangladesh and Pakistan together accounted for almost half of the global growth in low-income earners in absolute terms, highlighting the region’s increasing polarisation.

Rapid rise of mature consumers

The mature consumer segment, aged 60 years and above, is seeing a significant increase in population and income, with 4% growth in both metrics in 2024 – the highest among all cohorts. This demographic is typically financially secure, and prioritises spending on comfort, convenience and functionality, offering substantial opportunities for brands in the foreseeable future.

ASEAN leads among the new frontiers for consumer spending

In 2024, the ASEAN region witnessed robust 5.7% growth in consumer expenditure, significantly outpacing the global average of 2.6%. This surge was fuelled by a growing middle class, strong labour markets and increased foreign direct investment. Amidst global economic turmoil, ASEAN consumer spending is expected to expand by 4.3% in 2025, compared to 2.7% growth globally.

Our expert’s view of income and expenditure in 2025
Key findings
Uncertainty is affecting consumer income and expenditure
Top five trends in income and expenditure
Top five trends uncovered
Consumer confidence slips amidst uncertainty
Shift to price and value and reliance on stocking up benefits mass C-beauty brands
Coles enhances its affordable luxury offering with Coles Finest redesign
Finding growth in uncertainty
Easing inflation fails to ease consumer caution
Hard discounter Dali Discount in the Philippines is set for further expansion
Quilmes freezes price in Argentina and offers free beer in exchange for bottles
Unlocking growth in a time of frugal spending
High growth in low-income groups across the Middle East and South Asia
Jumia expands its BNPL offerings through new partnerships
Temu introduces value-focused third party marketplace in Canada
Turning low-income demand into a growth opportunity
Mature consumers outpace average spending growth in all but one category
Uda successfully markets longevity coffee
Samsung empowers 60+ consumers’ independence at home through innovation
Mature consumers, rising opportunities
Rising disposable income boosts the ASEAN consumer market
Carlsberg Malaysia partners with Sapporo to advance premiumisation strategy
Nestlé’s ready-to-serve liquid coffee combines convenience and tradition
Growth in ASEAN demands local insight and inclusion
Future implications
Opportunities for growth
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