Seven in 10 Americans have less than $1,000 in their savings accounts, according to a new survey from a banking website.

GoBankingRates first surveyed Americans on their savings in 2015 and found that 62 percent had less than $1,000 in their accounts. For the second year in a row, that number spiked to 69 percent, according to the survey of 7,052 people.

But that doesn't tell the whole story -- a third of Americans have no money at all in their savings accounts, according to GoBankingRates.

"It doesn't matter if they are making $30,000 per year or $300,000 -- people don't seem to know how to spend less than they make," Michael Hardy, a financial planner with Mollot & Hardy, told Business Insider.

Only 15 percent of Americans have more than $10,000 in savings, the survey found.

Researchers didn't find a strong correlation between income level and savings, meaning Americans of all economic classes are spending too much money and not saving enough. For example, 29 percent of adults who earn $150,000 or more each year -- and another 44 percent who earn between $100,000 and $149,999 -- have less than a grand tucked away.

"This data is particularly worrisome since the recommendation is for Americans to have six months in expenses saved in case of an emergency, such as a large medical expense, car repair bill, or losing your job," The Motley Fool's Sean Williams wrote. "Without this emergency fund to fall back on, millions of Americans could be risking financial disaster."

Sources: The Motley Fool, Business Insider,  GoBankingRates / Photo credit: Ken Teegardin/Flickr

Popular Video