Income, consumption, wealth of households: key figures; National Accounts

Edit table Show description

Income, consumption, wealth of households: key figures; National Accounts
Characteristics of households Periods 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 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 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)
Total 2021* 3,091,362 1,906,167 1,185,195 868,754 751,949 116,805 2,224,014 372.4 229.6 142.8 104.6 90.6 14.1 267.9 249.6 153.9 95.7 70.2 60.7 9.4 179.6
Disposable income: 1st 20%-group 2021* 264,770 136,066 128,703 31,525 23,637 7,888 73,577 159.5 81.9 77.5 19.0 14.2 4.8 44.3 127.6 65.6 62.0 15.2 11.4 3.8 35.5
Disposable income: 2nd 20%-group 2021* 325,234 197,158 128,075 63,060 55,462 7,597 185,916 195.9 118.7 77.1 38.0 33.4 4.6 112.0 140.3 85.1 55.3 27.2 23.9 3.3 80.2
Disposable income: 3rd 20%-group 2021* 522,619 350,966 171,654 148,198 136,314 11,884 399,582 314.8 211.4 103.4 89.3 82.1 7.2 240.7 202.5 136.0 66.5 57.4 52.8 4.6 154.8
Disposable income: 4th 20%-group 2021* 727,507 503,445 224,062 232,550 214,405 18,145 575,353 438.2 303.2 134.9 140.1 129.1 10.9 346.5 269.3 186.3 82.9 86.1 79.4 6.7 212.9
Disposable income: 5th 20%-group 2021* 1,251,232 718,532 532,701 393,421 322,131 71,291 989,586 753.6 432.7 320.8 236.9 194.0 42.9 596.0 462.1 265.4 196.7 145.3 119.0 26.3 365.5
Type: Single man 2021* 309,053 174,415 134,638 80,780 66,886 13,894 210,135 207.3 117.0 90.3 54.2 44.9 9.3 140.9 207.3 117.0 90.3 54.2 44.9 9.3 140.9
Type: Single woman 2021* 339,109 205,477 133,632 55,016 45,821 9,197 185,228 216.7 131.3 85.4 35.2 29.3 5.9 118.3 216.7 131.3 85.4 35.2 29.3 5.9 118.3
Type: One-parent family 2021* 129,352 76,272 53,081 43,807 37,448 6,358 97,826 230.4 135.9 94.6 78.0 66.7 11.3 174.3 141.1 83.2 57.9 47.8 40.8 6.9 106.7
Type: Couple, with child(ren) 2021* 936,187 544,975 391,210 415,598 369,241 46,357 909,483 482.6 280.9 201.6 214.2 190.3 23.9 468.8 217.0 126.3 90.7 96.4 85.6 10.7 210.9
Type: Couple, no children 2021* 1,280,727 853,249 427,479 247,235 211,192 36,042 762,432 574.4 382.7 191.7 110.9 94.7 16.2 342.0 382.0 254.5 127.5 73.7 63.0 10.8 227.4
Other types of households 2021* 96,934 51,779 45,155 26,318 21,361 4,957 58,910 188.3 100.6 87.7 51.1 41.5 9.6 114.4 130.3 69.6 60.7 35.4 28.7 6.7 79.2
Source of income: mixed income 2021* 444,429 169,403 275,026 147,902 101,560 46,342 489,536 538.5 205.2 333.2 179.2 123.0 56.1 593.1 332.3 126.7 205.6 110.6 75.9 34.6 366.0
Source of income: compensation of employ 2021* 1,600,964 1,024,925 576,038 603,761 549,794 53,968 1,195,568 379.6 243.0 136.6 143.1 130.4 12.8 283.5 230.4 147.5 82.9 86.9 79.1 7.8 172.0
Source of income: old age benefits 2021* 919,545 637,588 281,958 93,831 82,016 11,815 483,654 428.6 297.2 131.4 43.7 38.2 5.5 225.4 345.3 239.4 105.9 35.2 30.8 4.4 181.6
Source of income: other 2021* 126,424 74,251 52,173 23,260 18,579 4,680 55,256 113.5 66.7 46.9 20.9 16.7 4.2 49.6 88.3 51.8 36.4 16.2 13.0 3.3 38.6
Main earner: to 35 years 2021* 117,888 42,068 75,818 126,499 109,125 17,374 217,178 68.1 24.3 43.8 73.0 63.0 10.0 125.4 51.3 18.3 33.0 55.1 47.5 7.6 94.6
Main earner: 35 to 50 years 2021* 541,150 292,580 248,570 323,728 293,123 30,604 637,601 277.7 150.1 127.6 166.1 150.4 15.7 327.2 158.2 85.5 72.7 94.6 85.7 8.9 186.4
Main earner: 50 to 65 years 2021* 1,344,581 878,123 466,460 296,957 251,610 45,348 797,559 589.4 384.9 204.5 130.2 110.3 19.9 349.6 364.3 237.9 126.4 80.5 68.2 12.3 216.1
Main earner: 65 years or older 2021* 1,087,743 693,396 394,347 121,570 98,091 23,479 571,676 464.8 296.3 168.5 51.9 41.9 10.0 244.3 365.7 233.1 132.6 40.9 33.0 7.9 192.2
Home ownership: Owner-occupied home 2021* 2,544,774 1,582,627 962,148 834,267 742,249 92,019 2,151,862 572.6 356.1 216.5 187.7 167.0 20.7 484.2 343.9 213.9 130.0 112.7 100.3 12.4 290.8
Home ownership: Rent with rent subsidy 2021* 109,719 61,030 48,689 6,088 930 5,158 6,989 76.6 42.6 34.0 4.3 0.6 3.6 4.9 59.5 33.1 26.4 3.3 0.5 2.8 3.8
Home ownership: Rent: no rent subsidy 2021* 409,881 252,236 157,645 26,743 7,762 18,980 61,064 198.9 122.4 76.5 13.0 3.8 9.2 29.6 149.5 92.0 57.5 9.8 2.8 6.9 22.3
Home ownership: Other 2021* 26,988 10,274 16,713 1,656 1,008 648 4,099 74.0 28.2 45.8 4.5 2.8 1.8 11.2 68.3 26.0 42.3 4.2 2.6 1.6 10.4
Net worth: 1st 20%-group 2021* 52,069 14,217 37,852 50,883 32,204 18,679 11,023 31.4 8.6 22.8 30.6 19.4 11.3 6.6 25.7 7.0 18.7 25.1 15.9 9.2 5.4
Net worth: 2nd 20%-group 2021* 169,691 87,981 81,711 61,587 53,118 8,469 74,239 102.2 53.0 49.2 37.1 32.0 5.1 44.7 76.9 39.9 37.0 27.9 24.1 3.8 33.6
Net worth: 3rd 20%-group 2021* 359,906 231,963 127,943 195,887 182,490 13,397 360,483 216.8 139.7 77.1 118.0 109.9 8.1 217.1 140.6 90.6 50.0 76.5 71.3 5.2 140.8
Net worth: 4th 20%-group 2021* 636,254 437,744 198,510 247,548 228,406 19,142 655,075 383.2 263.6 119.6 149.1 137.6 11.5 394.5 231.4 159.2 72.2 90.0 83.1 7.0 238.2
Net worth: 5th 20%-group 2021* 1,873,442 1,134,262 739,179 312,849 255,731 57,118 1,123,194 1,128.3 683.1 445.2 188.4 154.0 34.4 676.5 659.5 399.3 260.2 110.1 90.0 20.1 395.4
Source: CBS.
Explanation of symbols

Dataset is not available.


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
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.
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.
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.
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.
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.
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.