🇩🇪 Germany·Household net worth by age·ECB HFCS 2023
How does your net worth compare for your age in Germany?
Enter your age and net worth. See exactly where you stand among households in your age group.
I'm years old with a household net worth of €.
vs. the typical household aged 35–44
4.0×
the median for your age
Age 35–44 median: 75.900 €
Nationally (all ages): top 32%
You hold 4.0× the net worth of the typical household in your age group. The mean for your age is 237.500 €, pulled up by the wealthiest few.
The wealth lifecycle
Net worth builds, peaks, then plateaus.
Each point is the median household net worth for an age bracket (solid cyan), with the mean above it (dashed violet). The gap between the two lines is the wealth concentration in that bracket. Your point sits at your age, at the net worth you entered.
Median (typical household) Mean (pulled up by the wealthiest) You
Median and mean household net wealth by age of the reference person. ECB HFCS Wave 2023, Tables A3 and A4; fieldwork by the Deutsche Bundesbank. Within-bracket percentiles are not published.
All six age brackets
Median and mean, decade by decade.
Your bracket is highlighted. The multiple shown is your net worth against that bracket's median, useful for seeing how you would rank if you were older or younger.
Under 35
17.600 €
17.0× median
35–44you
75.900 €
4.0× median
45–54
157.100 €
1.9× median
55–64
256.900 €
1.2× median
65–74
211.600 €
1.4× median
75 and over
139.800 €
2.1× median
Three numbers worth the asterisk
What the age curve hides.
The retirement drawdown
German wealth peaks at 55-64, then falls by nearly half.
The median household holds €256,900 at ages 55-64 but only €139,800 at 75 and over — a fall of 46% (HFCS 2023). Only 41.8% of German households own their main residence, the lowest rate in the euro area (Table B1), so fewer of them hold the one asset that normally stays on the balance sheet for life.
Mean vs median
The national mean is 3.1× the national median.
324.000 € mean versus 103.300 € median. The wealthiest 10% of households hold 53.7% of all net wealth in Germany (HFCS 2023), so the average is a poor description of a typical household.
No within-age percentiles
The HFCS does not publish percentiles inside each age bracket.
The survey publishes the median and mean per bracket, not P10 or P90 within it. This page compares your value to your bracket's median and mean, and to the national all-ages distribution.
How does this rank globally?
A net worth that is middle-of-the-pack for your age in Germany can place you in the global top few percent. See your tier among billions of adults worldwide.
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Next steps
Four calculators sized to the same question.
Median net worth in Germany
Enter your household net worth after debts. See your percentile, and what it actually means.
Compare→
Am I rich in Germany?
Enter your household income after tax. See your percentile, and what it actually means.
Check→
Wealth pyramid
The median adult holds $9,000. The top 1% starts at $1 million. Type your number; find your tier.
Compare→
Compound your next windfall
Drop in a lump sum; see what it becomes at 5%, 7% and 10% over 10, 20 and 30 years.
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Frequently asked questions
Based on the ECB's Household Finance and Consumption Survey (HFCS Wave 2023, fieldwork 2023-24), a household net wealth of €775,200 places you in the top 10% in Germany. HFCS Table J3 does not publish top-5% or top-1% thresholds — the 90th percentile is the highest published quantile. What Table J4 does show is how concentrated the summit is: the wealthiest 10% of German households hold 53.7% of all net wealth and the top 5% alone hold 38.5%. These figures exclude entitlements from public and occupational pensions, so real economic wealth is typically higher.
The median German household holds a net wealth of €103,300 (HFCS Wave 2023). Half of households hold more, half hold less. The mean is more than three times higher — €324,000 — because a small number of very wealthy households pull the average upward. Germany also has the lowest main-residence ownership rate in the euro area at 41.8% (HFCS Table B1), and since property is the largest asset most households ever own, that is the single biggest reason the German median sits below the euro-area median of €140,100.
Germany's mean of €324,000 is 3.1× its median of €103,300. Germany has the highest wealth Gini coefficient of the 22 countries in the survey, at 0.725, and the steepest p90/p50 ratio at 7.5 — the household at the 90th percentile holds seven and a half times what the median household holds (HFCS Table J4). With most Germans renting, property wealth concentrates in comparatively few hands, and 5.6% of households have negative net wealth (Table F3). That is why the median, not the mean, is the number to read when asking where you stand.
A household net wealth of €300,000 places you around the 68th percentile in Germany — nearly three times the median of €103,300, but still well short of the top-10% threshold of €775,200. You hold more than roughly two thirds of German households, and the distance still separating you from the top decile is larger than the distance you have already covered from the median.
Household net wealth adds up the market value of everything a household owns — the main residence, other real estate, bank and savings deposits, mutual funds, bonds, publicly traded shares, voluntary pension plans and whole life insurance, business equity, vehicles and valuables — and then subtracts every liability: mortgages, consumer loans, credit lines and credit card debt. The HFCS figures exclude entitlements from the statutory pension insurance (gesetzliche Rentenversicherung) and from occupational schemes, which is a large omission in Germany specifically: for a typical employee those claims are worth more than everything else on the balance sheet.
The mean net worth in Germany is €324,000, against a median of €103,300 — the average is 3.1 times the middle household (ECB HFCS Wave 2023, Table J3). The two numbers answer different questions. The mean divides total national wealth by the number of households, so a handful of very large fortunes lifts it; the median is the household in the exact middle, so it describes what is typical. When you read "average net worth", check which one is meant — for "where do I stand", the median is the honest benchmark.
The HFCS does not publish it, and no honest answer can invent it. Table J3 stops at the 90th percentile, which in Germany is €775,200 — that is the top-10% entry point, the highest threshold the survey reports. What Table J4 does publish is how much the summit holds: the wealthiest 5% of German households own 38.5% of all net wealth and the wealthiest 10% own 53.7%. Any figure you see quoted as a "top 1% threshold" for this survey has been extrapolated by someone, not measured.
Wealth in Germany tracks age closely. The median household under 35 holds €17,600; that rises to €256,900 at ages 55-64, a 14.6-fold climb, and settles at €139,800 from 75 (ECB HFCS Wave 2023, Tables A3 and A4). So there is no single "good" number — a 30-year-old at the median of their bracket and a 60-year-old at the median of theirs are both exactly average for their age. Our net-worth-by-age page compares your figure with your own bracket rather than the national median.
5.6% of German households have negative net wealth — they owe more than they own — against 3.6% across the euro area (ECB HFCS Wave 2023, Table F3). Many more are close to zero: the bottom 10% of households hold €800 or less, and the bottom 20% hold €7,100 or less (Table J3). Negative net wealth is not always distress — a recent buyer with a new mortgage and a student with a loan both show up here — but it does mean a shock has nothing to land on.
75.5% of everything German households own is a real asset — property above all, plus vehicles, valuables and business equity — and only 24.5% is financial (ECB HFCS Wave 2023, Table D1). 41.8% own their main residence (Table B1), while 23.7% hold mutual funds and 17.6% own listed shares directly, against euro-area rates of 14.2% and 11.4% (Table C1). The median household's financial assets come to €27,600 (Table C3). Most of the wealth on this page, in other words, cannot be spent without selling a home.