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 Wealth Financial assets Pension entitlements and claims (million euros) | Average amount Income Gross operating surplus and mixed income (1,000 euro) | Average amount Wealth Financial assets Pension entitlements and claims (1,000 euro) | Standardised amount Income Gross operating surplus and mixed income (1,000 euro) | Standardised amount Wealth Financial assets Pension entitlements and claims (1,000 euro) |
|---|---|---|---|---|---|---|---|
| Total | 2021* | 24,855 | 1,906,167 | 3.0 | 229.6 | 2.0 | 153.9 |
| Disposable income: 1st 20%-group | 2021* | 645 | 136,066 | 0.4 | 81.9 | 0.3 | 65.6 |
| Disposable income: 2nd 20%-group | 2021* | 2,817 | 197,158 | 1.7 | 118.7 | 1.2 | 85.1 |
| Disposable income: 3rd 20%-group | 2021* | 5,855 | 350,966 | 3.5 | 211.4 | 2.3 | 136.0 |
| Disposable income: 4th 20%-group | 2021* | 7,460 | 503,445 | 4.5 | 303.2 | 2.8 | 186.3 |
| Disposable income: 5th 20%-group | 2021* | 8,078 | 718,532 | 4.8 | 432.7 | 3.0 | 265.4 |
| Type: Single man | 2021* | 2,905 | 174,415 | 1.9 | 117.0 | 1.9 | 117.0 |
| Type: Single woman | 2021* | 2,966 | 205,477 | 1.9 | 131.3 | 1.9 | 131.3 |
| Type: One-parent family | 2021* | 1,106 | 76,272 | 2.0 | 135.9 | 1.2 | 83.2 |
| Type: Couple, with child(ren) | 2021* | 7,113 | 544,975 | 3.6 | 280.9 | 1.7 | 126.3 |
| Type: Couple, no children | 2021* | 10,272 | 853,249 | 4.6 | 382.7 | 3.1 | 254.5 |
| Other types of households | 2021* | 493 | 51,779 | 1.0 | 100.6 | 0.7 | 69.6 |
| Source of income: mixed income | 2021* | 2,746 | 169,403 | 3.3 | 205.2 | 2.1 | 126.7 |
| Source of income: compensation of employ | 2021* | 12,391 | 1,024,925 | 2.9 | 243.0 | 1.8 | 147.5 |
| Source of income: old age benefits | 2021* | 8,811 | 637,588 | 4.1 | 297.2 | 3.3 | 239.4 |
| Source of income: other | 2021* | 907 | 74,251 | 0.8 | 66.7 | 0.6 | 51.8 |
| Main earner: to 35 years | 2021* | 2,066 | 42,068 | 1.2 | 24.3 | 0.9 | 18.3 |
| Main earner: 35 to 50 years | 2021* | 4,716 | 292,580 | 2.4 | 150.1 | 1.4 | 85.5 |
| Main earner: 50 to 65 years | 2021* | 8,414 | 878,123 | 3.7 | 384.9 | 2.3 | 237.9 |
| Main earner: 65 years or older | 2021* | 9,659 | 693,396 | 4.1 | 296.3 | 3.2 | 233.1 |
| Home ownership: Owner-occupied home | 2021* | 25,061 | 1,582,627 | 5.6 | 356.1 | 3.4 | 213.9 |
| Home ownership: Rent with rent subsidy | 2021* | -19 | 61,030 | 0.0 | 42.6 | 0.0 | 33.1 |
| Home ownership: Rent: no rent subsidy | 2021* | -244 | 252,236 | -0.1 | 122.4 | -0.1 | 92.0 |
| Home ownership: Other | 2021* | 57 | 10,274 | 0.2 | 28.2 | 0.1 | 26.0 |
| Net worth: 1st 20%-group | 2021* | -227 | 14,217 | -0.1 | 8.6 | -0.1 | 7.0 |
| Net worth: 2nd 20%-group | 2021* | 844 | 87,981 | 0.5 | 53.0 | 0.4 | 39.9 |
| Net worth: 3rd 20%-group | 2021* | 4,859 | 231,963 | 2.9 | 139.7 | 1.9 | 90.6 |
| Net worth: 4th 20%-group | 2021* | 8,468 | 437,744 | 5.1 | 263.6 | 3.1 | 159.2 |
| Net worth: 5th 20%-group | 2021* | 10,911 | 1,134,262 | 6.5 | 683.1 | 3.8 | 399.3 |
| 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.
- 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.
- Financial assets
- Assets are possessions of households.
- 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.
- 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.
- Wealth
- Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth.
- Financial assets
- Assets are possessions of households.
- 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.
- 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.
- Wealth
- Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth.
- Financial assets
- Assets are possessions of households.
- 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.