People in the UK now have 8% of their take home salary left each month up from 5% since the previous quarter, according to the Disposable Income Index from Scottish Friendly.
London and Scotland topped the tables with people in each region having, on average, £263 left over each month after essentials were paid for.
Wales and the North East lagged behind with £193 and £182 respectively.
The survey also found the increase in disposable income has prompted a rise in the levels of saving.
Some 60% of people in the UK chose to put money aside each month, up 5% since the last index.
UK residents put an average of £287 per month into savings accounts or ISAs equating to £10bn per month in savings across the UK.
Scottish Friendly suggested the eagerness to save may be linked to wariness about the future.
According to the report, 28% of people surveyed in June saw their financial situation deteriorating in the next three months, up three percentage points from 25% last quarter.
Neil Lovatt, product director at Scottish Friendly, said: “The results show a stronger mood of personal responsibility among savers in the UK, across all income levels.
“Clearly this may be underpinned by a general wariness about the immediate future but the fact that people are addressing this by saving more for a rainy day is positive indeed.”
While a third of respondents did not have any financial priorities, 22% were focused on getting out of debt and 14% were set on avoiding it in the first place.
Lovatt added: “Debt is a preoccupation for many and it is encouraging to see that repaying and avoiding it are amongst the top priorities for Britain today.”
