One survey, 22 countries, the same definition of net wealth. Type your number once and read your rank in all of them.
I live in and my household is worth about €, assets minus debts.
Your position in Germany
TOP 46%
Of the other 21 countries, 8 would rank you higher and 13 would rank you lower.
At home
🇩🇪Germany
Top 46%
#9 of 22 for you · median €103,300
Across the euro area
🇪🇺Euro area
Top 50%
The 20-member aggregate · median €140,100
Why these rows are comparable
One survey. Same questions. Same definition of wealth.
Every figure here comes from a single source: the European Central Bank's Household Finance and Consumption Survey. 22 countries plus the euro-area aggregate, run to one harmonised questionnaire, with one definition of net wealth everywhere: real assets plus financial assets, minus every debt, measured per household.
That is the whole point. Most cross-country wealth comparisons stitch national statistics together, which is exactly why they disagree; countries count pensions, business equity and household size differently. These rows do not. They are the same measurement, taken 23 times.
What harmonisation does not fix is timing. Fieldwork for this wave ran from 2022 to 2025, so every row prints the years its own data was collected.
The whole grid
Your rank in every country at once.
All 22 countries plus the euro-area aggregate, ordered by where you stand highest. The bar is the share of households you are above. The shading behind each median shows how far apart these countries actually are.
In Germany you are Top 46%, which places it 9 of 22 on this list for you.
FieldworkThe years this country's data was collected. The 2023 wave ran from 2022 to 2025, so the rows are not all the same date.Non-euroOutside the euro area. Households there hold koruna and forint; the HFCS publishes these two columns in euro only.≥At or above the highest published threshold (P90). The survey publishes nothing above it, so this is a floor, not a rank.
Three numbers from the same grid
What the spread actually looks like.
The range
15.3× between the highest and lowest median.
Luxembourg: the median household holds €676,000. Latvia: €44,300. Same survey, same definition, same continent, and the typical household in one is worth 15.3 times the typical household in the other.
The concentration
Germany 0.725, Slovakia 0.473 on the wealth Gini.
The widest and narrowest wealth distributions of the 22. Home ownership tracks it closely. Slovakia: 90.4% of households own their main residence. Germany: 41.8%. Where most households own the roof over their heads, the middle of the distribution holds an asset, and the gap narrows.
The top tenth
The richest 10% in Latvia hold 57.4% of the wealth.
The highest share of the 22, and it belongs to the country with the lowest median (€44,300). A small pot, unevenly split. At the other end, Malta: the top tenth hold 34.5%, the most evenly spread wealth in the survey.
What this table can't tell you
Read the two asterisks.
The 2023 wave is not a snapshot of one moment. Greece was surveyed February to July 2025. Spain was surveyed October 2022 to June 2023. Between those dates European house prices and interest rates moved a long way, and household net wealth moved with them. The fieldwork column is there so you can weigh that yourself; nothing on this page adjusts for it.
Czechia and Hungary are in this survey but not in the euro area. Their households hold koruna and forint, and the HFCS publishes both columns in euro only, so their place in this table rests on a conversion the euro-area rows never needed. Read them as neighbours in the same survey, not as euro-area peers.
The survey publishes thresholds from the 10th to the 90th percentile and nothing beyond. If your net worth clears a country's 90th percentile, this page says so and stops. It will not invent a 96th percentile for you. The same restraint applies below the lowest published threshold.
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The 22 countries in the ECB's Household Finance and Consumption Survey, wave 2023: Austria, Belgium, Croatia, Cyprus, Czechia, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain, plus the euro-area aggregate as a reference row. Countries outside the survey are not shown, because adding a second source would break the one thing that makes these rows comparable.
Everything a household owns minus everything it owes: the main residence and any other property, vehicles, valuables, business wealth, deposits, funds, shares, bonds and voluntary pension plans, less mortgages and all other debt. Public pension entitlements are not included, which matters when comparing countries with very different state-pension systems.
Fieldwork for one HFCS wave is run by each national central bank on its own schedule. In this wave it spans 2022 to 2025. Spain collected from October 2022, Greece from February to July 2025, Lithuania into March 2025. Everything is labelled wave 2023, but it was not collected at the same time, so each row prints its own years.
Because they are in the survey but not in the euro area. Their households hold koruna and forint, while the HFCS publishes their results in euro only. Their position in this table therefore depends on an exchange-rate conversion that the euro-area rows do not carry.
The published tables give thresholds from the 10th to the 90th percentile and nothing above. Beyond the 90th the honest answer is top 10% or better; anything more precise would be extrapolation, not data. The same applies below the lowest published threshold, where the page reports a bound instead of a number.
Luxembourg, at €676,000 for the median household. The lowest is Latvia at €44,300. That is a 15.3-fold gap between the top and bottom of the same survey, which is far wider than the gap in household income between the same two countries.
Per household. The figures are not divided by the number of people in the home and not adjusted for household size, so a couple and a single person with the same balance sheet sit at the same point. That is worth remembering when comparing countries where average household size differs.
Voluntary and occupational pension plans that the household owns are counted. Entitlements to the state pension are not, because they are a claim on future government payments rather than an asset the household holds. Countries with generous public pensions therefore look poorer on this measure than their retirees actually are.
Because only 41.8% of German households own their main residence, the lowest rate of the 22 countries here. Housing is the single largest asset for most households in the survey, so a low ownership rate pulls the middle of the distribution down. Germany also has the highest wealth Gini of the 22 at 0.725, meaning a median household of €103,300 sits alongside a median gross household income of €50,400.
A weighted aggregate of the 20 euro-area countries in this survey, published by the ECB alongside the national columns. It is shown as a reference line rather than a 23rd competitor, which is why it carries no rank number. Czechia and Hungary are in the survey but outside the euro area, so they are not part of that aggregate.