Neara quarter of French people surveyed (24%) say they are overdrawn on their current account every month or almost, according to a study conducted by the comparator Lesfurets.com in partnership with CSA Research, on a sample of 1,007 French people, representative of the French population aged 18 and over. And this, from the 18th of the monthan average date which – good news! – moves back slightly in the calendar compared to last year, with two days saved (it was the 16th of the month in 2025).
An age effect
The younger the people concerned, the higher the figure: they are 42% among 25-34 year oldsan increase of 7 points in one year! Same trend but weaker for the youngest with 31% concerned among 18-24 year olds (+2 points compared to 2025). “There is a significant age effectassures Julie Gaillot, director of the center society at the CSA institute. 18-24 year olds even say they are overdrawn from the 14th day of the month on average, whereas last year they were talking about the 18th day. This day is coming much faster, it is a very worrying situation“. For comparison, the 65 years and over go into the red 20th day of the month.
As for tenants, 34% say they are negative every month or almost, compared to 20% of owners. For parents of at least one child under 15, the figure of 36% has increased by two points compared to 2025: “If families are more overdrawn than the rest of the French, it is probably because they face greater expenses and use it as a budget management tool», she analyzes.
Two days won
These two fewer days are good news in a situation which remains generally worrying : “We finally see that the income/expense ratio allows us to last one or two additional daysindicates Julie Gaillot. We can be happy about this but the situation remains extremely worrying. On the 18th of the month, there are still between 10 and 12 days to go“.
And if the French had adapted to the economic crisis ? “They have gotten into the habit of doing with less and managing their expenses as closely as possible.she confirms. According to other studies that we have carried out, the French say they have felt the effects of theinflation during the year 2025, particularly on food and energy prices thanks to a very slight relaxation at the level of purchasing power. Let’s say it’s not as bad as before“.
