🇵🇹 Portugal·Household net worth by age·ISFF 2024 (Banco de Portugal / INE)
How does your net worth compare for your age in Portugal?
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
2.3×
the median for your age
Age 35–44 median: 128 600 €
Nationally (all ages): top 28%
You hold 2.3× the net worth of the typical household in your age group. The mean for your age is 232 200 €, 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. ISFF 2024 (Banco de Portugal / INE), Quadro 3, part of the ECB HFCS. 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
36 mil €
8.3× median
35–44you
129 mil €
2.3× median
45–54
179 mil €
1.7× median
55–64
188 mil €
1.6× median
65–74
202 mil €
1.5× median
75 and over
137 mil €
2.2× median
Three numbers worth the asterisk
What the age curve hides.
The 5.6x age gap
Portuguese wealth peaks after 65.
The median rises from €36,200 under 35 to €202,100 at ages 65 to 74, 5.6 times higher, before easing to €137,300 at 75 plus (ISFF 2024). Only about 40% of under-35 families own their home, versus 70.8% of all families, and home equity is what builds the curve.
Mean vs median
The national mean is 2.0× the national median.
298 400 € mean versus 151 800 € median. The wealthiest 10% of families hold 49.6% of all net wealth in Portugal (ISFF 2024), so the average is a poor description of a typical family.
No within-age percentiles
The ISFF 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 Portugal 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 Portugal
Enter your household net worth after debts. See your percentile, and what it actually means.
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Am I rich in Portugal?
Enter your household income after tax. See your percentile, and what it actually means.
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Wealth pyramid
The median adult holds $9,000. The top 1% starts at $1 million. Type your number; find your tier.
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Compound your next windfall
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Frequently asked questions
Based on the ISFF 2024 survey (Banco de Portugal / INE), a household net wealth of EUR 494,700 puts you above 85% of families in Portugal, and EUR 1,046,700, the median of the wealthiest 10% of families, puts you above 95%. The release does not publish a 90th-percentile threshold. These figures include real estate equity (after mortgage), financial assets, and business assets.
The median Portuguese household had a net wealth of EUR 151,800 in 2024 (ISFF 2024). The mean is nearly double at EUR 298,400, reflecting wealth concentrated at the top. Both rose about 29% in real terms since 2020, driven mostly by surging house prices.
Homeownership. 70.8% of Portuguese families own their main residence (ISFF 2024), and most older owners hold their homes outright, so housing equity rather than financial assets is the backbone of household wealth. In the current harmonised European comparison (ECB HFCS Wave 2023), Portugal's median net wealth of €151,800 sits 47% above Germany's €103,300 — even though the median Portuguese household earns €26,000 a year against €50,400 in Germany (HFCS Table I3). Portugal converts a smaller income into a larger balance sheet, because the balance sheet is a house.
It is comfortably above the middle. EUR 250,000 sits between the national median of EUR 151,800 and the 70th-percentile threshold of EUR 273,900 (ISFF 2024): more wealth than well over half of Portuguese families, but not yet in the top 30%.
Steeply. The median family under 35 held EUR 36,200 in 2024, rising to EUR 128,600 at ages 35 to 44, EUR 178,900 at 45 to 54, EUR 188,100 at 55 to 64, and peaking at EUR 202,100 at 65 to 74 before falling back to EUR 137,300 from 75 on. Only about 40% of under-35 families own their home, versus 70.8% overall, which is exactly why the age curve is so steep in a housing-dominated wealth distribution.
49.6% of total net wealth in 2024 (ISFF 2024, Quadro 2). The poorer half of all families holds just 8.9% of the total, while the families between the median and the 90th percentile hold 41.5%. The median inside the top decile is EUR 1,046,700, against EUR 1,700 inside the bottom fifth.
Less than you might expect at the bottom. Families in the lowest income quintile still have a median net wealth of EUR 63,200, largely thanks to owned homes, while families in the top income decile have a median of EUR 554,500 (ISFF 2024). High income and high wealth overlap, but a paid-off house can put a modest-income family well above the national median.
By work status, the self-employed lead with a median of EUR 343,400, against EUR 138,800 for employees, EUR 156,900 for retirees and EUR 31,600 for the unemployed (ISFF 2024). By education, families whose reference person completed higher education have a median of EUR 278,400, more than double the EUR 116,900 of families with basic education.
Among indebted families, the median outstanding debt was EUR 35,300 in 2024 (ISFF 2024). Across all families, with and without debt, average debt fell 16.2% in real terms between 2020 and 2024, which itself contributed to the rise in median net wealth.
It is mixed, per ISFF 2024. The Gini index eased from 65.7 to 64.8 and the share of total net wealth held by the richest 10% of families fell from 51.2% to 49.6%. But the distance between the extremes widened: the P90/P10 ratio rose from 302.6 to 389.6, because the poorest families' wealth barely moved while housing lifted everyone who owns.