Wealth distribution of households; National Accounts
| Characteristics of households | Periods | Total amount Assets Currency and deposits (million euros) | Total amount Assets Insurance, pension and guarantee schemes (million euros) | Total amount Non-financial assets Land underlying dwellings (million euros) | Average amount Assets Currency and deposits (1,000 euro) | Average amount Assets Insurance, pension and guarantee schemes (1,000 euro) | Average amount Non-financial assets Land underlying dwellings (1,000 euro) | Standardised amount Net worth (1,000 euro) | Standardised amount Assets Currency and deposits (1,000 euro) | Standardised amount Assets Insurance, pension and guarantee schemes (1,000 euro) | Standardised amount Non-financial assets Land underlying dwellings (1,000 euro) | Share in total net worth Assets Currency and deposits (%) | Share in total net worth Assets Insurance, pension and guarantee schemes (%) | Share in total net worth Non-financial assets Land underlying dwellings (%) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total | 2021* | 493,791 | 2,109,954 | 1,106,429.0 | 59.5 | 254.2 | 133.3 | 359.1 | 39.9 | 170.4 | 89.4 | 11.1 | 47.5 | 24.9 |
| Disposable income: 1st 20%-group | 2021* | 49,767 | 169,148 | 40,277.0 | 30.0 | 101.9 | 24.3 | 147.9 | 24.0 | 81.5 | 19.4 | 16.2 | 55.1 | 13.1 |
| Disposable income: 2nd 20%-group | 2021* | 64,570 | 233,548 | 100,402.0 | 38.9 | 140.7 | 60.5 | 193.3 | 27.9 | 100.8 | 43.3 | 14.4 | 52.1 | 22.4 |
| Disposable income: 3rd 20%-group | 2021* | 88,752 | 391,733 | 215,572.0 | 53.5 | 235.9 | 129.8 | 299.9 | 34.4 | 151.8 | 83.5 | 11.5 | 50.6 | 27.9 |
| Disposable income: 4th 20%-group | 2021* | 111,812 | 548,218 | 304,010.0 | 67.3 | 330.2 | 183.1 | 396.1 | 41.4 | 202.9 | 112.5 | 10.4 | 51.2 | 28.4 |
| Disposable income: 5th 20%-group | 2021* | 178,890 | 767,307 | 446,168.0 | 107.7 | 462.1 | 268.7 | 682.3 | 66.1 | 283.4 | 164.8 | 9.7 | 41.5 | 24.2 |
| Type: Single man | 2021* | 51,888 | 207,292 | 103,826.0 | 34.8 | 139.0 | 69.6 | 294.0 | 34.8 | 139.0 | 69.6 | 11.8 | 47.3 | 23.7 |
| Type: Single woman | 2021* | 64,776 | 237,604 | 98,987.0 | 41.4 | 151.8 | 63.2 | 299.8 | 41.4 | 151.8 | 63.2 | 13.8 | 50.6 | 21.1 |
| Type: One-parent family | 2021* | 21,054 | 92,063 | 48,303.0 | 37.5 | 164.0 | 86.1 | 200.0 | 23.0 | 100.4 | 52.7 | 11.5 | 50.2 | 26.3 |
| Type: Couple, with child(ren) | 2021* | 152,052 | 601,269 | 435,416.0 | 78.4 | 309.9 | 224.4 | 331.5 | 35.3 | 139.4 | 100.9 | 10.6 | 42.0 | 30.4 |
| Type: Couple, no children | 2021* | 181,722 | 912,101 | 393,052.0 | 81.5 | 409.1 | 176.3 | 535.7 | 54.2 | 272.1 | 117.2 | 10.1 | 50.8 | 21.9 |
| Other types of households | 2021* | 22,299 | 59,625 | 26,845.0 | 43.3 | 115.8 | 52.2 | 174.1 | 30.0 | 80.2 | 36.1 | 17.2 | 46.0 | 20.7 |
| Source of income: mixed income | 2021* | 73,969 | 190,462 | 156,345.0 | 89.6 | 230.8 | 189.4 | 587.7 | 55.3 | 142.4 | 116.9 | 9.4 | 24.2 | 19.9 |
| Source of income: compensation of employ | 2021* | 244,915 | 1,134,774 | 650,007.0 | 58.1 | 269.0 | 154.1 | 315.5 | 35.2 | 163.3 | 93.5 | 11.2 | 51.8 | 29.6 |
| Source of income: old age benefits | 2021* | 156,690 | 683,445 | 269,836.0 | 73.0 | 318.6 | 125.8 | 491.6 | 58.8 | 256.6 | 101.3 | 12.0 | 52.2 | 20.6 |
| Source of income: other | 2021* | 18,217 | 101,273 | 30,241.0 | 16.4 | 91.0 | 27.2 | 110.6 | 12.7 | 70.7 | 21.1 | 11.5 | 63.9 | 19.1 |
| Main earner: to 35 years | 2021* | 38,767 | 56,721 | 100,958.0 | 22.4 | 32.8 | 58.3 | 90.8 | 16.9 | 24.7 | 44.0 | 18.6 | 27.2 | 48.4 |
| Main earner: 35 to 50 years | 2021* | 98,796 | 342,559 | 304,083.0 | 50.7 | 175.8 | 156.1 | 249.9 | 28.9 | 100.1 | 88.9 | 11.6 | 40.1 | 35.6 |
| Main earner: 50 to 65 years | 2021* | 172,997 | 966,917 | 390,767.0 | 75.8 | 423.9 | 171.3 | 500.0 | 46.9 | 262.0 | 105.9 | 9.4 | 52.4 | 21.2 |
| Main earner: 65 years or older | 2021* | 183,231 | 743,757 | 310,621.0 | 78.3 | 317.8 | 132.7 | 517.0 | 61.6 | 250.0 | 104.4 | 11.9 | 48.4 | 20.2 |
| Home ownership: Owner-occupied home | 2021* | 397,108 | 1,707,861 | 1,096,597.0 | 89.4 | 384.3 | 246.7 | 521.9 | 53.7 | 230.8 | 148.2 | 10.3 | 44.2 | 28.4 |
| Home ownership: Rent with rent subsidy | 2021* | 12,666 | 93,367 | 78.0 | 8.8 | 65.2 | 0.1 | 59.9 | 6.9 | 50.6 | 0.0 | 11.4 | 84.4 | 0.1 |
| Home ownership: Rent: no rent subsidy | 2021* | 74,664 | 294,428 | 7,700.0 | 36.2 | 142.9 | 3.7 | 162.0 | 27.2 | 107.4 | 2.8 | 16.8 | 66.3 | 1.7 |
| Home ownership: Other | 2021* | 9,353 | 14,298 | 2,054.0 | 25.6 | 39.2 | 5.6 | 74.5 | 23.7 | 36.2 | 5.2 | 31.8 | 48.6 | 7.0 |
| Net worth: 1st 20%-group | 2021* | 11,841 | 34,134 | 5,530.0 | 7.1 | 20.6 | 3.3 | 6.0 | 5.8 | 16.9 | 2.7 | 97.0 | 279.6 | 45.3 |
| Net worth: 2nd 20%-group | 2021* | 35,328 | 126,044 | 36,289.0 | 21.3 | 75.9 | 21.9 | 82.6 | 16.0 | 57.1 | 16.4 | 19.4 | 69.1 | 19.9 |
| Net worth: 3rd 20%-group | 2021* | 68,118 | 273,855 | 184,397.0 | 41.0 | 164.9 | 111.1 | 204.8 | 26.6 | 107.0 | 72.0 | 13.0 | 52.2 | 35.2 |
| Net worth: 4th 20%-group | 2021* | 112,155 | 486,420 | 332,579.0 | 67.5 | 293.0 | 200.3 | 379.6 | 40.8 | 176.9 | 120.9 | 10.7 | 46.6 | 31.9 |
| Net worth: 5th 20%-group | 2021* | 266,349 | 1,189,501 | 547,634.0 | 160.4 | 716.4 | 329.8 | 944.8 | 93.8 | 418.7 | 192.8 | 9.9 | 44.3 | 20.4 |
| Source: CBS. | ||||||||||||||
Table explanation
This table describes the wealth distribution 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, because national accounts figures are changed due to the revision policy of Statistics Netherlands. 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
- Assets
- Assets are possessions of households. 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.
- Currency and deposits
- Currency is notes and coins that are issued or authorised by monetary authorities. Deposits are standardised, non-negotiable contracts with the public at large, offered by deposit-taking corporations and, in some cases, by central government as debtors, and allowing the placement and the later withdrawal of the principal amount by the creditor. Deposits usually involve the debtor giving back the full principal amount to the investor.
- Insurance, pension and guarantee schemes
- Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
- 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 and gas reserves and consumer durables.
The data relate to households including non-profit institutions serving households.- Land underlying dwellings
- Land underlying buildings that are used entirely or primarily as residences, including any associated structures, such as garages and all permanent fixtures customarily installed in residences. The value of the land underlying dwellings is defined as the difference between the value of the total real estate (land and buildings) and the value of the structures.
The data relate to households including non-profit institutions serving households.
- Average amount
- Amount per household.
- Assets
- Assets are possessions of households. 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.
- Currency and deposits
- Currency is notes and coins that are issued or authorised by monetary authorities. Deposits are standardised, non-negotiable contracts with the public at large, offered by deposit-taking corporations and, in some cases, by central government as debtors, and allowing the placement and the later withdrawal of the principal amount by the creditor. Deposits usually involve the debtor giving back the full principal amount to the investor.
- Insurance, pension and guarantee schemes
- Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
- 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 and gas reserves and consumer durables.
The data relate to households including non-profit institutions serving households.- Land underlying dwellings
- Land underlying buildings that are used entirely or primarily as residences, including any associated structures, such as garages and all permanent fixtures customarily installed in residences. The value of the land underlying dwellings is defined as the difference between the value of the total real estate (land and buildings) and the value of the structures.
The data relate to households including non-profit institutions serving households.
- Standardised amount
- Amount per household converted to a single-person household.
- Net worth
- Net worth equals the financial assets minus the liabilities plus the non-financial assets. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these non-profit institutions serving households are no longer included for assets and liabilities, but still included in non-financial assets.
- Assets
- Assets are possessions of households. 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.
- Currency and deposits
- Currency is notes and coins that are issued or authorised by monetary authorities. Deposits are standardised, non-negotiable contracts with the public at large, offered by deposit-taking corporations and, in some cases, by central government as debtors, and allowing the placement and the later withdrawal of the principal amount by the creditor. Deposits usually involve the debtor giving back the full principal amount to the investor.
- Insurance, pension and guarantee schemes
- Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
- 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 and gas reserves and consumer durables.
The data relate to households including non-profit institutions serving households.- Land underlying dwellings
- Land underlying buildings that are used entirely or primarily as residences, including any associated structures, such as garages and all permanent fixtures customarily installed in residences. The value of the land underlying dwellings is defined as the difference between the value of the total real estate (land and buildings) and the value of the structures.
The data relate to households including non-profit institutions serving households.
- Share in total net worth
- Percentage share in total net worth.
- Assets
- Assets are possessions of households. 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.
- Currency and deposits
- Currency is notes and coins that are issued or authorised by monetary authorities. Deposits are standardised, non-negotiable contracts with the public at large, offered by deposit-taking corporations and, in some cases, by central government as debtors, and allowing the placement and the later withdrawal of the principal amount by the creditor. Deposits usually involve the debtor giving back the full principal amount to the investor.
- Insurance, pension and guarantee schemes
- Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
- 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 and gas reserves and consumer durables.
The data relate to households including non-profit institutions serving households.- Land underlying dwellings
- Land underlying buildings that are used entirely or primarily as residences, including any associated structures, such as garages and all permanent fixtures customarily installed in residences. The value of the land underlying dwellings is defined as the difference between the value of the total real estate (land and buildings) and the value of the structures.
The data relate to households including non-profit institutions serving households.