🇱🇺 Luxembourg·Household net worth by age·ECB HFCS 2023
How does your net worth compare for your age in Luxembourg?
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
0.7×
the median for your age
Age 35–44 median: 423.900 €
Nationally (all ages): top 66%
You hold 71% of the median for your age group. There is a long runway ahead, and wealth compounds fastest in the decades you have left.
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 Banque centrale du Luxembourg and STATEC. 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
135 k €
2.2× median
35–44you
424 k €
71% of median
45–54
645 k €
47% of median
55–64
1,0 M €
29% of median
65–74
1,2 M €
25% of median
75 and over
1,2 M €
25% of median
Three numbers worth the asterisk
What the age curve hides.
The curve that never falls
Luxembourg's median is highest in the oldest bracket, not before retirement.
The median crosses a million from 55-64 (€1,029,600), reaches €1,193,700 at 65-74 and peaks at €1,197,900 from 75 (HFCS 2023). Property is held, not sold, so the oldest households are the wealthiest ones on paper. Finland is the only other country on this site whose curve peaks in the same bracket.
Mean vs median
The national mean is 1.7× the national median.
1.156.800 € mean versus 676.000 € median. The wealthiest 10% of households hold 46.6% of all net wealth in Luxembourg (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 Luxembourg can place you in the global top few percent. See your tier among billions of adults worldwide.
→
eToro · Long-term investingAffiliate · 76% of retail accounts lose money
The wealth curve is built one contribution at a time.
The steepest part of the net-worth curve is your 40s and 50s, and the engine is compounding. A diversified world ETF has returned roughly 7% a year in real terms over the long run; at that rate money doubles about every decade. eToro lets you open an account, buy a low-cost world ETF, and automate monthly contributions in minutes.
Fractional shares, start small
Automated monthly investing
IRA and taxable accounts
Capital at riskTax may applyNot financial advicePast returns are not future returns
MyFinanceTools · Portfolio trackerFree account
You've seen where you stand. Now watch it move.
A free account turns this one-off check into a live dashboard: all your accounts in one place, with net worth, savings rate and progress toward your goals updated automatically as your money moves.
All your accounts in one dashboard
Net worth, goals & progress tracked automatically
Free, no card required
No card requiredPrivate by defaultDelete anytime2-minute setup
Next steps
Four calculators sized to the same question.
Median net worth in Luxembourg
Enter your household net worth after debts. See your percentile, and what it actually means.
Compare→
Am I rich in Luxembourg?
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.
Run it→
Frequently asked questions
A household net wealth of €2,480,400 puts you in the top 10% in Luxembourg (ECB HFCS Wave 2023, Table J3) — the highest top-10% entry point of the 22 countries surveyed, more than twice Malta's and about 2.4 times Ireland's. Table J3 publishes no top-5% or top-1% threshold, so the 90th percentile is the highest measured line.
The median Luxembourg household has a net wealth of €676,000 (ECB HFCS Wave 2023, Table J3) — the highest of the 22 countries surveyed, about 4.8 times the euro-area median of €140,100 and 1.8 times second-placed Malta (€376,400). The mean is €1,156,800.
Incomes and property, and less concentration than you would expect. Luxembourg has the highest median gross household income in the survey, €96,600 against €37,100 for the euro area (Table I3), and 80.9% of what households own is a real asset rather than a financial one (Table D1). What is unusual is the spread: Luxembourg's wealth Gini is 0.631 against 0.685 for the euro area, and its richest 10% hold 46.6% of net wealth against 51.8% euro-area-wide (Table J4). The wealth is not only larger, it is less top-heavy than average.
Less than almost anywhere else in the survey. €1,000,000 sits between the 60th percentile (€929,900) and the 70th (€1,178,400), so a millionaire household in Luxembourg is a little above the middle of the distribution — not near the top (ECB HFCS Wave 2023, Table J3). The top 10% starts at €2,480,400. In the euro area as a whole the same million would put a household above the 90th percentile.
Yes. Among households with a mortgage, the median outstanding balance is €343,000 against €88,600 for the euro area, roughly 3.9 times as much, and the median indebted household owes €164,800 in total against €31,800 (ECB HFCS Wave 2023, Tables F2 and F3). Debt equals 125.8% of gross income against 66.0% euro-area-wide. Relative to assets, though, the burden is ordinary: debt is 21.3% of assets against 21.6% (Table G1). Big loans against big properties.
The mean net worth in Luxembourg is €1,156,800, against a median of €676,000 — the average is 1.7 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 Luxembourg is €2,480,400 — 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 Luxembourg households own 33.2% of all net wealth and the wealthiest 10% own 46.6%. Any figure you see quoted as a "top 1% threshold" for this survey has been extrapolated by someone, not measured.
Wealth in Luxembourg tracks age closely, and it never turns down. The median household under 35 holds €135,000 — already more than the national median of ten of the 22 countries surveyed — and it climbs to €1,029,600 at 55-64, €1,193,700 at 65-74 and €1,197,900 from 75, an 8.9-fold rise from the youngest bracket (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 70-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.
3.2% of Luxembourg households have negative net wealth — they owe more than they own — against 3.6% across the euro area (ECB HFCS Wave 2023, Table F3). The bottom of the distribution also starts higher than almost anywhere: the bottom 10% of households hold €16,200 or less and the bottom 20% hold €76,800 or less, against €2,600 and €12,800 for the euro area (Table J3). Negative net wealth is not always distress — a recent buyer with a new mortgage shows up here — but it does mean a shock has nothing to land on.
80.9% of everything Luxembourg households own is a real asset — property above all, plus vehicles, valuables and business equity — and 19.1% is financial (ECB HFCS Wave 2023, Table D1). 61.7% own their main residence (Table B1), while 19.1% hold mutual funds and 14.8% own listed shares directly, against euro-area rates of 14.2% and 11.4% (Table C1). 60.2% hold a voluntary pension plan or whole life policy against 27.5% euro-area-wide, and the median household's financial assets come to €91,700 (Table C3) — a large financial cushion by euro-area standards, though still only a fifth of the balance sheet.