🇳🇱 Netherlands·Household net worth by age·ECB HFCS 2023
How does your net worth compare for your age in the Netherlands?
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
2.5×
the median for your age
Age 35–44 median: € 121.700
Nationally (all ages): top 30%
You hold 2.5× the net worth of the typical household in your age group. The mean for your age is € 218.800, 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 De Nederlandsche Bank. 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
€ 41K
7.3× median
35–44you
€ 122K
2.5× median
45–54
€ 181K
1.7× median
55–64
€ 227K
1.3× median
65–74
€ 192K
1.6× median
75 and over
€ 156K
1.9× median
Three numbers worth the asterisk
What the age curve hides.
The mortgage decades
Dutch wealth is a mortgage being repaid.
The median climbs from €40,900 under 35 to €227,200 at 55-64, a 5.6-fold rise. The Dutch carry the euro area's heaviest debts: the median indebted household owes 206.4% of its annual gross income, against 66.0% euro-area wide (Table F1), and 47.0% of households hold a mortgage on their main residence, the highest rate in the survey (Table E1). Those decades of repayment are what the curve is measuring.
Mean vs median
The national mean is 1.8× the national median.
€ 257.300 mean versus € 143.500 median. The wealthiest 10% of households hold 44.8% of all net wealth in the Netherlands (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 the Netherlands 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 the Netherlands
Enter your household net worth after debts. See your percentile, and what it actually means.
Compare→
Am I rich in the Netherlands?
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 HFCS Wave 2023, fieldwork by De Nederlandsche Bank, a household net wealth of €615,200 places you in the top 10% in the Netherlands. HFCS Table J3 does not publish top-5% or top-1% thresholds — the 90th percentile is the highest published quantile. Dutch wealth is markedly less concentrated than German wealth: the top 10% hold 44.8% of all net wealth against 53.7% in Germany, and the wealth Gini is 0.652 against 0.725 (Table J4).
The median Dutch household holds a net wealth of €143,500 (HFCS Wave 2023, fieldwork May to June 2023). Half of households hold more, half hold less. The mean is €257,300, 1.8 times the median, below the euro-area ratio of 2.2. That places the Netherlands just above the euro-area median of €140,100, a substantial improvement on the previous wave, when Dutch median wealth was among the lowest in Western Europe.
The Netherlands runs the heaviest household debt in the euro area, by a wide margin. The median indebted Dutch household owes 206.4% of its annual gross income, against 66.0% across the euro area and 35.3% in Germany (HFCS Table F1). 47.0% of Dutch households hold a mortgage on their main residence, the highest rate in the survey, and the median debt among indebted households is €122,000 against €31,800 euro-area wide (Tables E1 and E4). Interest-only mortgages were standard until 2013 and mortgage interest has long been tax-deductible, which made large, slowly amortising loans the norm.
A household net wealth of €250,000 places you around the 64th percentile in the Netherlands — above the median of €143,500 but below the top-10% threshold of €615,200. Nearly two thirds of Dutch households hold less than you do. Because Dutch net wealth is home value minus a large mortgage for most households, this figure moves faster with house prices and repayments than with saving.
No — and for the Netherlands that is the single most important caveat on this page. HFCS net wealth counts voluntary pension plans and whole life insurance, but excludes entitlements from public and occupational pension schemes. The Dutch second-pillar system is among the largest in the world relative to the economy, and for a typical employee those accrued rights are worth more than everything the survey does count. Read the figures here as "wealth outside the pension pot".
The mean net worth in the Netherlands is €257,300, against a median of €143,500 — the average is 1.8 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 the Netherlands is €615,200 — 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 Dutch households own 30.7% of all net wealth and the wealthiest 10% own 44.8%. Any figure you see quoted as a "top 1% threshold" for this survey has been extrapolated by someone, not measured.
Wealth in the Netherlands tracks age closely. The median household under 35 holds €40,900; that rises to €227,200 at ages 55-64, a 5.6-fold climb, and settles at €155,600 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.
5.1% of Dutch 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 €1,700 or less, and the bottom 20% hold €9,900 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.
78.6% of everything Dutch households own is a real asset — property above all, plus vehicles, valuables and business equity — and only 21.4% is financial (ECB HFCS Wave 2023, Table D1). 56.6% own their main residence (Table B1), while 16.9% hold mutual funds and 6.3% own listed shares directly, against euro-area rates of 14.2% and 11.4% (Table C1). The median household's financial assets come to €23,500 (Table C3). Most of the wealth on this page, in other words, cannot be spent without selling a home.