By May 2014, through the YouthSave project, almost 100,000 youth across four countries opened savings accounts at financial institutions. Collectively, they saved $1.8 million. This report presents two-year findings from a study that tracks account uptake and savings patterns and performance in youth savings accounts in Colombia, Ghana, Kenya, and Nepal. This savings demand assessment (SDA) is ambitious in its attempt to include systematic data on as many youth savers as possible. The result is a very large dataset that enables us to report in detail who is saving, and factors associated with saving patterns and performance.