"There is too much savings" sounds wrong to me. Is "There are too much savings" right? I did a search in Google for "There is too much savings" and came up with 24,500 results. "There are too much savings" came up with four. "There are too many savings" wouldn't work since "savings" is referred to in this case as a plural amount as a whole.

An example sentence is

In the case that there is too much savings at the minimum savings rate relative to desired investment, the unused amount is carried over to the next period.

  • 2
    "savings" is a collective noun, not a plural. There's no such thing as a saving. – Barmar Dec 19 '16 at 16:40

As @Barmar commented, the word savings looks like a plural form of saving, but actually it isn't. It means "money saved" and should be treated in the same way as the mass noun money is treated.

For example:

There are too many savings accounts.

is correct because too many modifies accounts. However,

*There are too many savings. ( * indicates it is ungrammatical)

is incorrect because it means "*There are too many money saved."

“There is too much savings”: ungrammatical?

No, it is grammatical.

As commented by @DanBron, some grammarians call those nouns plurale tantum:

namely nouns like clothes, premises, remains, savings or, using technical examples, terms like nuclear binding forces, ignition electrics, soup suds.

[Source: A Basis for Scientific and Engineering Translation: German-English-German]

Other related useful links on plurale tantum: Wikipedia article on plurale tantum, The Oxford Reference Guide to English Morphology and doclecture.net.

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