a penny saved is a penny earned

a penny saved is a penny earned
also, a penny saved is a penny gained


  • This phrase advises people to be cautious of their money and have savings.
  • It ascertains that when money is saved, it is as good as money that is earned.

Example Sentences

  1. Now that he has financial difficulties he will realize that a penny saved is as good as a penny earned.
  2. Being a financial consultant she always advises people to save money. She says to her clients quite often that a penny saved is a penny earned.
  3. At least 25% of your monthly income should be put aside as savings because a penny saved is a penny earned.
  4. By doing this work myself, I will save $100, someone has told the truth that a penny saved is a penny gained.
  5. He tries to do all the work himself and always says that a penny saved is a penny earned.


The phrase seems to be around since the 16th century and has been published in George Herbert’s work titled ‘Outlandish Proverbs’. It talks about how when a person chooses to not spend his money and save it instead, he is one up rather than one down. In this version of the phrase instead of the word ‘earned’, the writer has used the word ‘got’. This was later changed to ‘gained’ and then changed to ‘earned’.

Bejamin Franklin is given credit to use the phrase in its current format in the year 1899.


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