Income, consumption, wealth of households: key figures; National Accounts
Characteristics of households | Periods | Total amount Income Gross operating surplus and mixed income (million euros) | Total amount Income Gross mixed income (million euros) | Total amount Income Compensation of employees (million euros) | Total amount Income Gross disposable income (million euros) | Total amount Income Social transfers in kind (million euros) | Total amount Income Gross adjusted disposable income (million euros) | Total amount Expenditure Final consumption expenditure (million euros) | Total amount Expenditure Actual individual consumption (million euros) | Total amount Expenditure Gross saving (million euros) | Total amount Wealth Net worth (million euros) | Total amount Wealth Financial assets Total (million euros) | Total amount Wealth Financial assets Pension entitlements and claims (million euros) | Total amount Wealth Financial assets Other assets (million euros) | Total amount Wealth Financial liabilities Total (million euros) | Total amount Wealth Financial liabilities Home mortgages; closing balance (million euros) | Total amount Wealth Financial liabilities Other liabilities (million euros) | Total amount Wealth Non-financial assets (million euros) | Average amount Income Gross operating surplus and mixed income (1,000 euro) | Average amount Income Gross mixed income (1,000 euro) | Average amount Income Compensation of employees (1,000 euro) | Average amount Income Gross disposable income (1,000 euro) | Average amount Income Social transfers in kind (1,000 euro) | Average amount Income Gross adjusted disposable income (1,000 euro) | Average amount Expenditure Final consumption expenditure (1,000 euro) | Average amount Expenditure Actual individual consumption (1,000 euro) | Average amount Expenditure Gross saving (1,000 euro) | Average amount Wealth Net worth (1,000 euro) | Average amount Wealth Financial assets Total (1,000 euro) | Average amount Wealth Financial assets Pension entitlements and claims (1,000 euro) | Average amount Wealth Financial assets Other assets (1,000 euro) | Average amount Wealth Financial liabilities Total (1,000 euro) | Average amount Wealth Financial liabilities Home mortgages; closing balance (1,000 euro) | Average amount Wealth Financial liabilities Other liabilities (1,000 euro) | Average amount Wealth Non-financial assets (1,000 euro) | Standardised amount Income Gross operating surplus and mixed income (1,000 euro) | Standardised amount Income Gross mixed income (1,000 euro) | Standardised amount Income Compensation of employees (1,000 euro) | Standardised amount Income Gross disposable income (1,000 euro) | Standardised amount Income Social transfers in kind (1,000 euro) | Standardised amount Income Gross adjusted disposable income (1,000 euro) | Standardised amount Expenditure Final consumption expenditure (1,000 euro) | Standardised amount Expenditure Actual individual consumption (1,000 euro) | Standardised amount Expenditure Gross saving (1,000 euro) | Standardised amount Wealth Net worth (1,000 euro) | Standardised amount Wealth Financial assets Total (1,000 euro) | Standardised amount Wealth Financial assets Pension entitlements and claims (1,000 euro) | Standardised amount Wealth Financial assets Other assets (1,000 euro) | Standardised amount Wealth Financial liabilities Total (1,000 euro) | Standardised amount Wealth Financial liabilities Home mortgages; closing balance (1,000 euro) | Standardised amount Wealth Financial liabilities Other liabilities (1,000 euro) | Standardised amount Wealth Non-financial assets (1,000 euro) |
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Total | 2021* | 24,855 | 86,648 | 408,557 | 439,442 | 158,566 | 598,008 | 354,930 | 513,496 | 109,542 | 4,446,622 | 3,091,362 | 1,906,167 | 1,185,195 | 868,754 | 751,949 | 116,805 | 2,224,014 | 3.0 | 10.4 | 48.9 | 52.6 | 19.0 | 71.6 | 42.5 | 61.5 | 13.1 | 535.6 | 372.4 | 229.6 | 142.8 | 104.6 | 90.6 | 14.1 | 267.9 | 2.0 | 7.0 | 33.0 | 35.5 | 12.8 | 48.3 | 28.7 | 41.5 | 8.9 | 359.1 | 249.6 | 153.9 | 95.7 | 70.2 | 60.7 | 9.4 | 179.6 |
Disposable income: 1st 20%-group | 2021* | 645 | 3,415 | 7,521 | 24,381 | 31,483 | 55,864 | 41,655 | 73,138 | -16,526 | 306,822 | 264,770 | 136,066 | 128,703 | 31,525 | 23,637 | 7,888 | 73,577 | 0.4 | 2.0 | 4.5 | 14.6 | 18.8 | 33.4 | 24.9 | 43.8 | -9.9 | 184.8 | 159.5 | 81.9 | 77.5 | 19.0 | 14.2 | 4.8 | 44.3 | 0.3 | 1.6 | 3.6 | 11.8 | 15.2 | 26.9 | 20.1 | 35.3 | -8.0 | 147.9 | 127.6 | 65.6 | 62.0 | 15.2 | 11.4 | 3.8 | 35.5 |
Disposable income: 2nd 20%-group | 2021* | 2,817 | 4,373 | 30,235 | 51,579 | 35,306 | 86,885 | 51,029 | 86,335 | -1,713 | 448,090 | 325,234 | 197,158 | 128,075 | 63,060 | 55,462 | 7,597 | 185,916 | 1.7 | 2.6 | 18.1 | 30.9 | 21.1 | 52.0 | 30.5 | 51.7 | -1.0 | 269.9 | 195.9 | 118.7 | 77.1 | 38.0 | 33.4 | 4.6 | 112.0 | 1.2 | 1.9 | 13.1 | 22.3 | 15.2 | 37.5 | 22.0 | 37.3 | -0.7 | 193.3 | 140.3 | 85.1 | 55.3 | 27.2 | 23.9 | 3.3 | 80.2 |
Disposable income: 3rd 20%-group | 2021* | 5,855 | 7,278 | 72,290 | 78,115 | 33,060 | 111,175 | 67,693 | 100,753 | 12,026 | 774,003 | 522,619 | 350,966 | 171,654 | 148,198 | 136,314 | 11,884 | 399,582 | 3.5 | 4.4 | 43.3 | 46.8 | 19.8 | 66.6 | 40.5 | 60.3 | 7.2 | 466.2 | 314.8 | 211.4 | 103.4 | 89.3 | 82.1 | 7.2 | 240.7 | 2.3 | 2.8 | 28.0 | 30.3 | 12.8 | 43.1 | 26.2 | 39.1 | 4.7 | 299.9 | 202.5 | 136.0 | 66.5 | 57.4 | 52.8 | 4.6 | 154.8 |
Disposable income: 4th 20%-group | 2021* | 7,460 | 12,717 | 118,185 | 105,073 | 31,047 | 136,120 | 84,639 | 115,686 | 28,526 | 1,070,310 | 727,507 | 503,445 | 224,062 | 232,550 | 214,405 | 18,145 | 575,353 | 4.5 | 7.6 | 70.8 | 62.9 | 18.6 | 81.5 | 50.7 | 69.3 | 17.1 | 644.6 | 438.2 | 303.2 | 134.9 | 140.1 | 129.1 | 10.9 | 346.5 | 2.8 | 4.7 | 43.8 | 38.9 | 11.5 | 50.4 | 31.3 | 42.8 | 10.6 | 396.1 | 269.3 | 186.3 | 82.9 | 86.1 | 79.4 | 6.7 | 212.9 |
Disposable income: 5th 20%-group | 2021* | 8,078 | 58,865 | 180,326 | 180,294 | 27,670 | 207,964 | 109,914 | 137,584 | 87,229 | 1,847,397 | 1,251,232 | 718,532 | 532,701 | 393,421 | 322,131 | 71,291 | 989,586 | 4.8 | 35.2 | 108.0 | 107.9 | 16.6 | 124.5 | 65.8 | 82.4 | 52.2 | 1,112.6 | 753.6 | 432.7 | 320.8 | 236.9 | 194.0 | 42.9 | 596.0 | 3.0 | 21.8 | 66.6 | 66.6 | 10.2 | 76.9 | 40.6 | 50.8 | 32.2 | 682.3 | 462.1 | 265.4 | 196.7 | 145.3 | 119.0 | 26.3 | 365.5 |
Type: Single man | 2021* | 2,905 | 8,938 | 40,990 | 46,694 | 12,564 | 59,258 | 52,296 | 64,860 | -3,815 | 438,408 | 309,053 | 174,415 | 134,638 | 80,780 | 66,886 | 13,894 | 210,135 | 1.9 | 6.0 | 27.3 | 31.1 | 8.4 | 39.5 | 34.9 | 43.2 | -2.5 | 294.0 | 207.3 | 117.0 | 90.3 | 54.2 | 44.9 | 9.3 | 140.9 | 1.9 | 6.0 | 27.4 | 31.2 | 8.4 | 39.7 | 35.0 | 43.4 | -2.6 | 294.0 | 207.3 | 117.0 | 90.3 | 54.2 | 44.9 | 9.3 | 140.9 |
Type: Single woman | 2021* | 2,966 | 4,161 | 25,390 | 41,249 | 22,406 | 63,655 | 50,420 | 72,826 | -11,485 | 469,321 | 339,109 | 205,477 | 133,632 | 55,016 | 45,821 | 9,197 | 185,228 | 1.9 | 2.6 | 16.1 | 26.2 | 14.2 | 40.4 | 32.0 | 46.2 | -7.3 | 299.8 | 216.7 | 131.3 | 85.4 | 35.2 | 29.3 | 5.9 | 118.3 | 1.9 | 2.7 | 16.2 | 26.4 | 14.3 | 40.7 | 32.3 | 46.6 | -7.3 | 299.8 | 216.7 | 131.3 | 85.4 | 35.2 | 29.3 | 5.9 | 118.3 |
Type: One-parent family | 2021* | 1,106 | 4,706 | 23,387 | 26,614 | 13,389 | 40,003 | 21,684 | 35,073 | 7,125 | 183,371 | 129,352 | 76,272 | 53,081 | 43,807 | 37,448 | 6,358 | 97,826 | 2.0 | 8.3 | 41.4 | 47.1 | 23.7 | 70.8 | 38.4 | 62.1 | 12.6 | 326.7 | 230.4 | 135.9 | 94.6 | 78.0 | 66.7 | 11.3 | 174.3 | 1.2 | 5.1 | 25.5 | 29.1 | 14.6 | 43.7 | 23.7 | 38.3 | 7.8 | 200.0 | 141.1 | 83.2 | 57.9 | 47.8 | 40.8 | 6.9 | 106.7 |
Type: Couple, with child(ren) | 2021* | 7,113 | 43,055 | 200,564 | 174,857 | 59,713 | 234,570 | 108,077 | 167,790 | 91,707 | 1,430,072 | 936,187 | 544,975 | 391,210 | 415,598 | 369,241 | 46,357 | 909,483 | 3.6 | 22.1 | 102.8 | 89.6 | 30.6 | 120.2 | 55.4 | 86.0 | 47.0 | 737.1 | 482.6 | 280.9 | 201.6 | 214.2 | 190.3 | 23.9 | 468.8 | 1.7 | 10.0 | 46.5 | 40.6 | 13.9 | 54.4 | 25.1 | 38.9 | 21.3 | 331.5 | 217.0 | 126.3 | 90.7 | 96.4 | 85.6 | 10.7 | 210.9 |
Type: Couple, no children | 2021* | 10,272 | 21,188 | 104,297 | 130,811 | 38,539 | 169,350 | 106,899 | 145,438 | 22,048 | 1,795,924 | 1,280,727 | 853,249 | 427,479 | 247,235 | 211,192 | 36,042 | 762,432 | 4.6 | 9.4 | 46.5 | 58.3 | 17.2 | 75.5 | 47.7 | 64.8 | 9.8 | 805.5 | 574.4 | 382.7 | 191.7 | 110.9 | 94.7 | 16.2 | 342.0 | 3.1 | 6.3 | 31.1 | 39.1 | 11.5 | 50.6 | 31.9 | 43.4 | 6.6 | 535.7 | 382.0 | 254.5 | 127.5 | 73.7 | 63.0 | 10.8 | 227.4 |
Other types of households | 2021* | 493 | 4,600 | 13,929 | 19,217 | 11,955 | 31,172 | 15,554 | 27,509 | 3,962 | 129,526 | 96,934 | 51,779 | 45,155 | 26,318 | 21,361 | 4,957 | 58,910 | 1.0 | 8.9 | 26.9 | 37.1 | 23.1 | 60.2 | 30.0 | 53.1 | 7.7 | 251.6 | 188.3 | 100.6 | 87.7 | 51.1 | 41.5 | 9.6 | 114.4 | 0.7 | 6.2 | 18.7 | 25.9 | 16.1 | 41.9 | 20.9 | 37.0 | 5.3 | 174.1 | 130.3 | 69.6 | 60.7 | 35.4 | 28.7 | 6.7 | 79.2 |
Source of income: mixed income | 2021* | 2,746 | 61,188 | 15,089 | 76,602 | 15,129 | 91,731 | 41,805 | 56,934 | 37,375 | 786,063 | 444,429 | 169,403 | 275,026 | 147,902 | 101,560 | 46,342 | 489,536 | 3.3 | 73.7 | 18.2 | 92.3 | 18.2 | 110.5 | 50.3 | 68.6 | 45.0 | 952.4 | 538.5 | 205.2 | 333.2 | 179.2 | 123.0 | 56.1 | 593.1 | 2.1 | 45.8 | 11.3 | 57.3 | 11.3 | 68.6 | 31.3 | 42.6 | 28.0 | 587.7 | 332.3 | 126.7 | 205.6 | 110.6 | 75.9 | 34.6 | 366.0 |
Source of income: compensation of employ | 2021* | 12,391 | 20,534 | 386,346 | 267,011 | 75,655 | 342,666 | 203,667 | 279,322 | 112,216 | 2,192,771 | 1,600,964 | 1,024,925 | 576,038 | 603,761 | 549,794 | 53,968 | 1,195,568 | 2.9 | 4.8 | 91.1 | 62.9 | 17.8 | 80.8 | 48.0 | 65.8 | 26.4 | 519.9 | 379.6 | 243.0 | 136.6 | 143.1 | 130.4 | 12.8 | 283.5 | 1.8 | 3.0 | 55.6 | 38.4 | 10.9 | 49.3 | 29.3 | 40.2 | 16.2 | 315.5 | 230.4 | 147.5 | 82.9 | 86.9 | 79.1 | 7.8 | 172.0 |
Source of income: old age benefits | 2021* | 8,811 | 2,619 | 3,132 | 71,833 | 50,635 | 122,468 | 78,888 | 129,523 | -33,911 | 1,309,368 | 919,545 | 637,588 | 281,958 | 93,831 | 82,016 | 11,815 | 483,654 | 4.1 | 1.2 | 1.5 | 33.3 | 23.5 | 56.7 | 36.5 | 60.0 | -15.7 | 610.3 | 428.6 | 297.2 | 131.4 | 43.7 | 38.2 | 5.5 | 225.4 | 3.3 | 1.0 | 1.2 | 27.0 | 19.0 | 46.0 | 29.6 | 48.7 | -12.7 | 491.6 | 345.3 | 239.4 | 105.9 | 35.2 | 30.8 | 4.4 | 181.6 |
Source of income: other | 2021* | 907 | 2,307 | 3,990 | 23,996 | 17,147 | 41,143 | 30,570 | 47,717 | -6,138 | 158,420 | 126,424 | 74,251 | 52,173 | 23,260 | 18,579 | 4,680 | 55,256 | 0.8 | 2.1 | 3.6 | 21.4 | 15.3 | 36.7 | 27.3 | 42.6 | -5.5 | 142.3 | 113.5 | 66.7 | 46.9 | 20.9 | 16.7 | 4.2 | 49.6 | 0.6 | 1.6 | 2.8 | 16.8 | 12.0 | 28.7 | 21.4 | 33.3 | -4.3 | 110.6 | 88.3 | 51.8 | 36.4 | 16.2 | 13.0 | 3.3 | 38.6 |
Main earner: to 35 years | 2021* | 2,066 | 14,097 | 82,449 | 70,637 | 22,144 | 92,781 | 63,305 | 85,449 | 15,944 | 208,567 | 117,888 | 42,068 | 75,818 | 126,499 | 109,125 | 17,374 | 217,178 | 1.2 | 8.1 | 47.3 | 40.5 | 12.7 | 53.3 | 36.3 | 49.0 | 9.2 | 120.4 | 68.1 | 24.3 | 43.8 | 73.0 | 63.0 | 10.0 | 125.4 | 0.9 | 6.1 | 35.9 | 30.8 | 9.6 | 40.4 | 27.6 | 37.2 | 6.9 | 90.8 | 51.3 | 18.3 | 33.0 | 55.1 | 47.5 | 7.6 | 94.6 |
Main earner: 35 to 50 years | 2021* | 4,716 | 30,339 | 148,433 | 126,938 | 44,008 | 170,946 | 91,218 | 135,226 | 53,737 | 855,023 | 541,150 | 292,580 | 248,570 | 323,728 | 293,123 | 30,604 | 637,601 | 2.4 | 15.5 | 75.7 | 64.8 | 22.4 | 87.2 | 46.5 | 69.0 | 27.4 | 438.8 | 277.7 | 150.1 | 127.6 | 166.1 | 150.4 | 15.7 | 327.2 | 1.4 | 8.9 | 43.4 | 37.1 | 12.9 | 50.0 | 26.7 | 39.6 | 15.7 | 249.9 | 158.2 | 85.5 | 72.7 | 94.6 | 85.7 | 8.9 | 186.4 |
Main earner: 50 to 65 years | 2021* | 8,414 | 34,077 | 166,110 | 153,820 | 37,748 | 191,568 | 111,322 | 149,070 | 66,183 | 1,845,183 | 1,344,581 | 878,123 | 466,460 | 296,957 | 251,610 | 45,348 | 797,559 | 3.7 | 14.8 | 72.4 | 67.0 | 16.4 | 83.5 | 48.5 | 65.0 | 28.8 | 808.9 | 589.4 | 384.9 | 204.5 | 130.2 | 110.3 | 19.9 | 349.6 | 2.3 | 9.2 | 45.0 | 41.7 | 10.2 | 51.9 | 30.2 | 40.4 | 17.9 | 500.0 | 364.3 | 237.9 | 126.4 | 80.5 | 68.2 | 12.3 | 216.1 |
Main earner: 65 years or older | 2021* | 9,659 | 8,135 | 11,565 | 88,047 | 54,666 | 142,713 | 89,085 | 143,751 | -26,322 | 1,537,849 | 1,087,743 | 693,396 | 394,347 | 121,570 | 98,091 | 23,479 | 571,676 | 4.1 | 3.5 | 4.9 | 37.4 | 23.2 | 60.6 | 37.8 | 61.1 | -11.2 | 657.1 | 464.8 | 296.3 | 168.5 | 51.9 | 41.9 | 10.0 | 244.3 | 3.2 | 2.7 | 3.9 | 29.6 | 18.4 | 48.0 | 30.0 | 48.4 | -8.9 | 517.0 | 365.7 | 233.1 | 132.6 | 40.9 | 33.0 | 7.9 | 192.2 |
Home ownership: Owner-occupied home | 2021* | 25,061 | 65,617 | 313,000 | 318,807 | 92,350 | 411,157 | 237,197 | 329,547 | 103,605 | 3,862,369 | 2,544,774 | 1,582,627 | 962,148 | 834,267 | 742,249 | 92,019 | 2,151,862 | 5.6 | 14.7 | 70.0 | 71.3 | 20.7 | 92.0 | 53.1 | 73.7 | 23.2 | 869.1 | 572.6 | 356.1 | 216.5 | 187.7 | 167.0 | 20.7 | 484.2 | 3.4 | 8.9 | 42.3 | 43.1 | 12.5 | 55.6 | 32.1 | 44.6 | 14.0 | 521.9 | 343.9 | 213.9 | 130.0 | 112.7 | 100.3 | 12.4 | 290.8 |
Home ownership: Rent with rent subsidy | 2021* | -19 | 3,795 | 13,176 | 33,361 | 29,028 | 62,389 | 39,035 | 68,063 | -6,252 | 110,620 | 109,719 | 61,030 | 48,689 | 6,088 | 930 | 5,158 | 6,989 | 0.0 | 2.6 | 9.1 | 23.2 | 20.1 | 43.3 | 27.1 | 47.2 | -4.3 | 77.2 | 76.6 | 42.6 | 34.0 | 4.3 | 0.6 | 3.6 | 4.9 | 0.0 | 2.1 | 7.1 | 18.1 | 15.7 | 33.8 | 21.2 | 36.9 | -3.4 | 59.9 | 59.5 | 33.1 | 26.4 | 3.3 | 0.5 | 2.8 | 3.8 |
Home ownership: Rent: no rent subsidy | 2021* | -244 | 16,179 | 79,793 | 81,040 | 30,306 | 111,346 | 71,023 | 101,329 | 14,181 | 444,202 | 409,881 | 252,236 | 157,645 | 26,743 | 7,762 | 18,980 | 61,064 | -0.1 | 7.8 | 38.5 | 39.1 | 14.6 | 53.7 | 34.3 | 48.9 | 6.8 | 215.6 | 198.9 | 122.4 | 76.5 | 13.0 | 3.8 | 9.2 | 29.6 | -0.1 | 5.9 | 29.1 | 29.6 | 11.1 | 40.6 | 25.9 | 37.0 | 5.2 | 162.0 | 149.5 | 92.0 | 57.5 | 9.8 | 2.8 | 6.9 | 22.3 |
Home ownership: Other | 2021* | 57 | 1,057 | 2,588 | 6,234 | 6,882 | 13,116 | 7,675 | 14,557 | -1,992 | 29,431 | 26,988 | 10,274 | 16,713 | 1,656 | 1,008 | 648 | 4,099 | 0.2 | 2.9 | 7.1 | 17.0 | 18.8 | 35.7 | 20.9 | 39.7 | -5.4 | 80.7 | 74.0 | 28.2 | 45.8 | 4.5 | 2.8 | 1.8 | 11.2 | 0.1 | 2.7 | 6.6 | 15.8 | 17.4 | 33.2 | 19.4 | 36.9 | -5.0 | 74.5 | 68.3 | 26.0 | 42.3 | 4.2 | 2.6 | 1.6 | 10.4 |
Net worth: 1st 20%-group | 2021* | -227 | 4,544 | 35,164 | 40,161 | 26,346 | 66,507 | 44,821 | 71,167 | -1,804 | 12,209 | 52,069 | 14,217 | 37,852 | 50,883 | 32,204 | 18,679 | 11,023 | -0.1 | 2.7 | 21.1 | 24.0 | 15.8 | 39.8 | 26.8 | 42.6 | -1.1 | 7.4 | 31.4 | 8.6 | 22.8 | 30.6 | 19.4 | 11.3 | 6.6 | -0.1 | 2.2 | 17.4 | 19.8 | 13.0 | 32.9 | 22.1 | 35.2 | -0.9 | 6.0 | 25.7 | 7.0 | 18.7 | 25.1 | 15.9 | 9.2 | 5.4 |
Net worth: 2nd 20%-group | 2021* | 844 | 4,952 | 53,963 | 55,933 | 30,117 | 86,050 | 54,424 | 84,541 | 4,895 | 182,343 | 169,691 | 87,981 | 81,711 | 61,587 | 53,118 | 8,469 | 74,239 | 0.5 | 3.0 | 32.3 | 33.5 | 18.0 | 51.5 | 32.6 | 50.6 | 2.9 | 109.8 | 102.2 | 53.0 | 49.2 | 37.1 | 32.0 | 5.1 | 44.7 | 0.4 | 2.2 | 24.5 | 25.4 | 13.7 | 39.0 | 24.7 | 38.3 | 2.2 | 82.6 | 76.9 | 39.9 | 37.0 | 27.9 | 24.1 | 3.8 | 33.6 |
Net worth: 3rd 20%-group | 2021* | 4,859 | 11,375 | 89,278 | 83,648 | 31,696 | 115,344 | 70,648 | 102,344 | 20,320 | 524,502 | 359,906 | 231,963 | 127,943 | 195,887 | 182,490 | 13,397 | 360,483 | 2.9 | 6.8 | 53.4 | 50.1 | 19.0 | 69.1 | 42.3 | 61.3 | 12.2 | 315.9 | 216.8 | 139.7 | 77.1 | 118.0 | 109.9 | 8.1 | 217.1 | 1.9 | 4.4 | 34.9 | 32.7 | 12.4 | 45.1 | 27.6 | 40.0 | 7.9 | 204.8 | 140.6 | 90.6 | 50.0 | 76.5 | 71.3 | 5.2 | 140.8 |
Net worth: 4th 20%-group | 2021* | 8,468 | 20,098 | 103,728 | 105,025 | 35,403 | 140,428 | 83,865 | 119,268 | 28,639 | 1,043,781 | 636,254 | 437,744 | 198,510 | 247,548 | 228,406 | 19,142 | 655,075 | 5.1 | 12.0 | 62.1 | 62.9 | 21.2 | 84.1 | 50.2 | 71.4 | 17.1 | 628.6 | 383.2 | 263.6 | 119.6 | 149.1 | 137.6 | 11.5 | 394.5 | 3.1 | 7.3 | 37.7 | 38.2 | 12.9 | 51.1 | 30.5 | 43.4 | 10.4 | 379.6 | 231.4 | 159.2 | 72.2 | 90.0 | 83.1 | 7.0 | 238.2 |
Net worth: 5th 20%-group | 2021* | 10,911 | 45,679 | 126,424 | 154,675 | 35,004 | 189,679 | 101,172 | 136,176 | 57,492 | 2,683,787 | 1,873,442 | 1,134,262 | 739,179 | 312,849 | 255,731 | 57,118 | 1,123,194 | 6.5 | 27.3 | 75.7 | 92.6 | 21.0 | 113.6 | 60.6 | 81.5 | 34.4 | 1,616.4 | 1,128.3 | 683.1 | 445.2 | 188.4 | 154.0 | 34.4 | 676.5 | 3.8 | 16.1 | 44.5 | 54.5 | 12.3 | 66.8 | 35.6 | 48.0 | 20.2 | 944.8 | 659.5 | 399.3 | 260.2 | 110.1 | 90.0 | 20.1 | 395.4 |
Source: CBS. |
Table explanation
This table describes the distribution of income, consumption, and wealth components of the sector households in the national accounts over different household groups. Households are identified by main source of income, living situation, household composition, age classes of the head of the household, income class by 20% groups, and net worth class by 20% groups.
Data available from: 2015.
Status of the figures:
All data are provisional.
Changes as of October 19th 2023:
The figures of 2015-2020 are revised. Results for 2021 are added to the table.
When will new figures be published?
New figures will be released in October 2024.
Description topics
- Total amount
- Income
- Receipts from production, wages, social transfers, and property income. Compensation of employees are the wages received for labour, including the social contributions paid for by the employers. Gross operating surplus, gross mixed income and gross disposable income are balancing items. Social transfers in kind are also included, together with disposable income, this leads to the balancing item adjusted disposable income.
- Gross operating surplus and mixed income
- The surplus that remains after compensation of employees and taxes less subsidies on production and imports have been subtracted from the sum of value added at basic prices. For the self-employed (who are part of the sector households) the surplus is called mixed income, because it is partly a reward for their entrepreneurship compensation of labour.
The operating surplus of households equals housing services produced for own consumption by owner-occupiers.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
- Gross mixed income
- Mixed income is for households mainly equal to the income earned by sole proprietors and other entrepreneurs personally liable for all gains and losses from their activities. The income earned has both an element of wage income as well as profit since the entrepreneur is both rewarded for the provided labour input as well as the undertaken risks. Included in mixed income are rentals received from letting real estate and income earned from black and illegal activities.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
- Compensation of employees
- The compensation of employees is the total remuneration, in cash or in kind, payable by an employer to an employee in return for work done by the latter during an accounting period. The compensation of employees is equal to the sum of wages and salaries and employers' social contributions.
- Gross disposable income
- The sum of the gross disposable incomes of the institutional sectors. Gross national disposable income equals gross national income (at market prices) minus current transfers (current taxes on income, wealth et cetera, social contributions, social benefits and other current transfers) paid to non-resident units, plus current transfers received by resident units from the rest of the world. Because disposable national income is not a production concept but an income concept, it is usually expressed in net terms, i.e. after deduction of depreciation (consumption of fixed capital).
- Social transfers in kind
- Social transfers in kind consist of individual goods and services provided for free or at prices that are not economically significant to individual households by government units and NPISHs, whether purchased on the market or produced as non-market output by government units or NPISHs. They are financed out of taxation, other government income or social security contributions, or out of donations and property income in the case of NPISHs.
- Gross adjusted disposable income
- Adjusted disposable income is equal to disposable income of households including any income transfers in kind provided to households free of charge by general government or NPISH. This variable facilitates comparisons over time and across countries when there are differences or changes in economic and social conditions.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
- Expenditure
- Expenditures on goods and services that are used for the direct satisfaction of individual needs. This includes the social transfers in kind, which together with the individual expenditures result in actual individual final consumption.
- Final consumption expenditure
- Expenditure on goods or services that are used for the direct satisfaction of individual or collective needs. Expenses may be made at home or abroad, but they are always made by resident institutional units, that are households or institutions residing in the Netherlands. By definition only households, non-profit institutions serving households (NPISHs) and government institutions consume. Enterprises do not: expenses they make on goods and services are thought to serve production and are therefore classified as intermediate consumption of fixed capital formation. The general government is a special case. The government also has intermediate consumption, just like enterprises. But the output delivered by the government which is not directly paid for, non-market output (like safety), is classified as consumption by the general government. It is said that the government ‘consumes its own production’. The system of national accounts demands that all that is produced is also consumed (or serves as an investment). By convention, government output is consumed by the government itself. This is not the only consumption by the general government. It also contains social transfers in kind. In the Netherlands this mainly concerns health care bills paid for by the government and an allowance for the rent.
- Actual individual consumption
- Actual individual consumption of households equals social transfers in kind plus final consumption expenditure.
- Gross saving
- The portion of disposable income that has not been used for final consumption expenditure.
- Wealth
- Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these NPISH are no longer included.
- Net worth
- Net worth equals the financial assets minus the liabilities plus the non-financial assets.
- Financial assets
- Assets are possessions of households.
- Total
- Pension entitlements and claims
- Pension entitlements and claims of pension funds on pension managers and entitlements to non-pension benefits
Pension entitlements comprise financial claims that current employees and former employees hold against either:
- their employers;
- a scheme designated by the employer to pay pensions as part of a compensation agreement between the employer and the employee
- an insurer.
Claims of pension funds on pension managers and entitlements to non-pension benefits
For the Netherlands this category only relates to claims of pension funds on pension managers, entitlements to non-pension benefits don’t occur here.
An employer may contract with a third party to look after the pension funds for his employees. If the employer continues to determine the terms of the pension schemes and retains the responsibility for any deficit in funding as well as the right to retain any excess funding, the employer is described as the pension manager and the unit working under the direction of the pension manger is described as the pension administrator. If the agreement between the employer and the third party is such that the employer passes the risks and responsibilities for any deficit in funding to the third part in return for the right of the third party to retain any excess, the third party becomes the pension manager as well as the administrator.
- Other assets
- Other assets are possessions of households excluding pension entitlements.
- Financial liabilities
- Liabilities are debts of households.
- Total
- Home mortgages; closing balance
- Total of the home mortgages at the end of the period. These are long-term loans with as collateral the property itself which is occupied by the private person.
- Other liabilities
- Other liabilities are debts, excluding home mortgages.
- Non-financial assets
- Non-financial assets are objects which represent an economic value, on which property rights can be exerted and which do not have a financial character. In practice, this includes approximately all (non-financial) objects which can be sold. Examples of objects which cannot be sold are the sea and the air. Examples of assets which have a financial character are stocks and pensions. Non-financial assets consist of fixed assets, inventories, land and oil, gas reserves and consumer durables. The data relate to households including non-profit institutions serving households.
- Average amount
- Amount per household.
- Income
- Receipts from production, wages, social transfers, and property income. Compensation of employees are the wages received for labour, including the social contributions paid for by the employers. Gross operating surplus, gross mixed income and gross disposable income are balancing items. Social transfers in kind are also included, together with disposable income, this leads to the balancing item adjusted disposable income.
- Gross operating surplus and mixed income
- The surplus that remains after compensation of employees and taxes less subsidies on production and imports have been subtracted from the sum of value added at basic prices. For the self-employed (who are part of the sector households) the surplus is called mixed income, because it is partly a reward for their entrepreneurship compensation of labour.
The operating surplus of households equals housing services produced for own consumption by owner-occupiers.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
- Gross mixed income
- Mixed income is for households mainly equal to the income earned by sole proprietors and other entrepreneurs personally liable for all gains and losses from their activities. The income earned has both an element of wage income as well as profit since the entrepreneur is both rewarded for the provided labour input as well as the undertaken risks. Included in mixed income are rentals received from letting real estate and income earned from black and illegal activities.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
- Compensation of employees
- The compensation of employees is the total remuneration, in cash or in kind, payable by an employer to an employee in return for work done by the latter during an accounting period. The compensation of employees is equal to the sum of wages and salaries and employers' social contributions.
- Gross disposable income
- The sum of the gross disposable incomes of the institutional sectors. Gross national disposable income equals gross national income (at market prices) minus current transfers (current taxes on income, wealth et cetera, social contributions, social benefits and other current transfers) paid to non-resident units, plus current transfers received by resident units from the rest of the world. Because disposable national income is not a production concept but an income concept, it is usually expressed in net terms, i.e. after deduction of depreciation (consumption of fixed capital).
- Social transfers in kind
- Social transfers in kind consist of individual goods and services provided for free or at prices that are not economically significant to individual households by government units and NPISHs, whether purchased on the market or produced as non-market output by government units or NPISHs. They are financed out of taxation, other government income or social security contributions, or out of donations and property income in the case of NPISHs.
- Gross adjusted disposable income
- Adjusted disposable income is equal to disposable income of households including any income transfers in kind provided to households free of charge by general government or NPISH. This variable facilitates comparisons over time and across countries when there are differences or changes in economic and social conditions.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
- Expenditure
- Expenditures on goods and services that are used for the direct satisfaction of individual needs. This includes the social transfers in kind, which together with the individual expenditures result in actual individual final consumption.
- Final consumption expenditure
- Expenditure on goods or services that are used for the direct satisfaction of individual or collective needs. Expenses may be made at home or abroad, but they are always made by resident institutional units, that are households or institutions residing in the Netherlands. By definition only households, non-profit institutions serving households (NPISHs) and government institutions consume. Enterprises do not: expenses they make on goods and services are thought to serve production and are therefore classified as intermediate consumption of fixed capital formation. The general government is a special case. The government also has intermediate consumption, just like enterprises. But the output delivered by the government which is not directly paid for, non-market output (like safety), is classified as consumption by the general government. It is said that the government ‘consumes its own production’. The system of national accounts demands that all that is produced is also consumed (or serves as an investment). By convention, government output is consumed by the government itself. This is not the only consumption by the general government. It also contains social transfers in kind. In the Netherlands this mainly concerns health care bills paid for by the government and an allowance for the rent.
- Actual individual consumption
- Actual individual consumption of households equals social transfers in kind plus final consumption expenditure.
- Gross saving
- The portion of disposable income that has not been used for final consumption expenditure.
- Wealth
- Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth.
- Net worth
- Net worth equals the financial assets minus the liabilities plus the non-financial assets.
- Financial assets
- Assets are possessions of households.
- Total
- Pension entitlements and claims
- Pension entitlements and claims of pension funds on pension managers and entitlements to non-pension benefits
Pension entitlements comprise financial claims that current employees and former employees hold against either:
- their employers;
- a scheme designated by the employer to pay pensions as part of a compensation agreement between the employer and the employee
- an insurer.
Claims of pension funds on pension managers and entitlements to non-pension benefits
For the Netherlands this category only relates to claims of pension funds on pension managers, entitlements to non-pension benefits don’t occur here.
An employer may contract with a third party to look after the pension funds for his employees. If the employer continues to determine the terms of the pension schemes and retains the responsibility for any deficit in funding as well as the right to retain any excess funding, the employer is described as the pension manager and the unit working under the direction of the pension manger is described as the pension administrator. If the agreement between the employer and the third party is such that the employer passes the risks and responsibilities for any deficit in funding to the third part in return for the right of the third party to retain any excess, the third party becomes the pension manager as well as the administrator.
- Other assets
- Other assets are possessions of households excluding pension entitlements.
- Financial liabilities
- Liabilities are debts of households.
- Total
- Home mortgages; closing balance
- Total of the home mortgages at the end of the period. These are long-term loans with as collateral the property itself which is occupied by the private person.
- Other liabilities
- Other liabilities are debts, excluding home mortgages.
- Non-financial assets
- Non-financial assets are objects which represent an economic value, on which property rights can be exerted and which do not have a financial character. In practice, this includes approximately all (non-financial) objects which can be sold. Examples of objects which cannot be sold are the sea and the air. Examples of assets which have a financial character are stocks and pensions. Non-financial assets consist of fixed assets, inventories, land and oil, gas reserves and consumer durables. The data relate to households including non-profit institutions serving households.
- Standardised amount
- Amount per household converted to a single-person household.
- Income
- Receipts from production, wages, social transfers, and property income. Compensation of employees are the wages received for labour, including the social contributions paid for by the employers. Gross operating surplus, gross mixed income and gross disposable income are balancing items. Social transfers in kind are also included, together with disposable income, this leads to the balancing item adjusted disposable income.
- Gross operating surplus and mixed income
- The surplus that remains after compensation of employees and taxes less subsidies on production and imports have been subtracted from the sum of value added at basic prices. For the self-employed (who are part of the sector households) the surplus is called mixed income, because it is partly a reward for their entrepreneurship compensation of labour.
The operating surplus of households equals housing services produced for own consumption by owner-occupiers.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
- Gross mixed income
- Mixed income is for households mainly equal to the income earned by sole proprietors and other entrepreneurs personally liable for all gains and losses from their activities. The income earned has both an element of wage income as well as profit since the entrepreneur is both rewarded for the provided labour input as well as the undertaken risks. Included in mixed income are rentals received from letting real estate and income earned from black and illegal activities.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
- Compensation of employees
- The compensation of employees is the total remuneration, in cash or in kind, payable by an employer to an employee in return for work done by the latter during an accounting period. The compensation of employees is equal to the sum of wages and salaries and employers' social contributions.
- Gross disposable income
- The sum of the gross disposable incomes of the institutional sectors. Gross national disposable income equals gross national income (at market prices) minus current transfers (current taxes on income, wealth et cetera, social contributions, social benefits and other current transfers) paid to non-resident units, plus current transfers received by resident units from the rest of the world. Because disposable national income is not a production concept but an income concept, it is usually expressed in net terms, i.e. after deduction of depreciation (consumption of fixed capital).
- Social transfers in kind
- Social transfers in kind consist of individual goods and services provided for free or at prices that are not economically significant to individual households by government units and NPISHs, whether purchased on the market or produced as non-market output by government units or NPISHs. They are financed out of taxation, other government income or social security contributions, or out of donations and property income in the case of NPISHs.
- Gross adjusted disposable income
- Adjusted disposable income is equal to disposable income of households including any income transfers in kind provided to households free of charge by general government or NPISH. This variable facilitates comparisons over time and across countries when there are differences or changes in economic and social conditions.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
- Expenditure
- Expenditures on goods and services that are used for the direct satisfaction of individual needs. This includes the social transfers in kind, which together with the individual expenditures result in actual individual final consumption.
- Final consumption expenditure
- Expenditure on goods or services that are used for the direct satisfaction of individual or collective needs. Expenses may be made at home or abroad, but they are always made by resident institutional units, that are households or institutions residing in the Netherlands. By definition only households, non-profit institutions serving households (NPISHs) and government institutions consume. Enterprises do not: expenses they make on goods and services are thought to serve production and are therefore classified as intermediate consumption of fixed capital formation. The general government is a special case. The government also has intermediate consumption, just like enterprises. But the output delivered by the government which is not directly paid for, non-market output (like safety), is classified as consumption by the general government. It is said that the government ‘consumes its own production’. The system of national accounts demands that all that is produced is also consumed (or serves as an investment). By convention, government output is consumed by the government itself. This is not the only consumption by the general government. It also contains social transfers in kind. In the Netherlands this mainly concerns health care bills paid for by the government and an allowance for the rent.
- Actual individual consumption
- Actual individual consumption of households equals social transfers in kind plus final consumption expenditure.
- Gross saving
- The portion of disposable income that has not been used for final consumption expenditure.
- Wealth
- Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth.
- Net worth
- Net worth equals the financial assets minus the liabilities plus the non-financial assets.
- Financial assets
- Assets are possessions of households.
- Total
- Pension entitlements and claims
- Pension entitlements and claims of pension funds on pension managers and entitlements to non-pension benefits
Pension entitlements comprise financial claims that current employees and former employees hold against either:
- their employers;
- a scheme designated by the employer to pay pensions as part of a compensation agreement between the employer and the employee
- an insurer.
Claims of pension funds on pension managers and entitlements to non-pension benefits
For the Netherlands this category only relates to claims of pension funds on pension managers, entitlements to non-pension benefits don’t occur here.
An employer may contract with a third party to look after the pension funds for his employees. If the employer continues to determine the terms of the pension schemes and retains the responsibility for any deficit in funding as well as the right to retain any excess funding, the employer is described as the pension manager and the unit working under the direction of the pension manger is described as the pension administrator. If the agreement between the employer and the third party is such that the employer passes the risks and responsibilities for any deficit in funding to the third part in return for the right of the third party to retain any excess, the third party becomes the pension manager as well as the administrator.
- Other assets
- Other assets are possessions of households excluding pension entitlements.
- Financial liabilities
- Liabilities are debts of households.
- Total
- Home mortgages; closing balance
- Total of the home mortgages at the end of the period. These are long-term loans with as collateral the property itself which is occupied by the private person.
- Other liabilities
- Other liabilities are debts, excluding home mortgages.
- Non-financial assets
- Non-financial assets are objects which represent an economic value, on which property rights can be exerted and which do not have a financial character. In practice, this includes approximately all (non-financial) objects which can be sold. Examples of objects which cannot be sold are the sea and the air. Examples of assets which have a financial character are stocks and pensions. Non-financial assets consist of fixed assets, inventories, land and oil, gas reserves and consumer durables. The data relate to households including non-profit institutions serving households.