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

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Characteristics of households 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 Total final consumption expenditure (million euros) Total amount Expenditure Final consumption expenditure Food and non-alcoholic beverages (mln euro) Total amount Expenditure Final consumption expenditure Alcoholic beverages, tobacco, narcotic (mln euro) Total amount Expenditure Final consumption expenditure Clothing and footwear (mln euro)
Total 45,410 95,783 478,494 518,109 186,320 704,429 463,145 53,143 13,731 23,164
Disposable income: 1st 10%-group 933 2,073 4,307 7,933 17,161 25,094 26,961 3,417 1,268 1,420
Disposable income: 2nd 10%-group 539 1,971 6,805 21,651 21,263 42,914 29,579 4,085 1,244 1,396
Disposable income: 3rd 10%-group 818 2,259 11,659 26,850 21,535 48,385 31,368 4,167 1,266 1,525
Disposable income: 4th 10%-group 1,783 3,100 22,719 33,448 18,220 51,668 36,153 4,588 1,289 1,815
Disposable income: 5th 10%-group 3,111 4,017 34,700 40,905 17,610 58,515 41,306 5,049 1,334 2,098
Disposable income: 6th 10%-group 4,594 5,128 47,784 49,143 19,060 68,203 46,506 5,489 1,383 2,373
Disposable income: 7th 10%-group 6,104 6,723 61,284 57,809 19,304 77,113 51,770 5,932 1,420 2,624
Disposable income: 8th 10%-group 7,496 9,357 75,567 67,269 17,809 85,078 56,809 6,304 1,452 2,845
Disposable income: 9th 10%-group 9,043 14,851 92,545 80,387 17,292 97,678 62,609 6,636 1,500 3,083
Disposable income: 10th 10%-group 10,989 46,304 121,124 132,714 17,066 149,781 80,084 7,476 1,575 3,985
Single less 65 year old 4,982 12,746 73,800 68,345 21,262 89,607 75,849 7,305 3,623 3,483
Single 65 and older 4,268 1,967 2,825 39,003 23,673 62,676 44,040 4,719 1,603 1,443
Single with children living at home 2,157 3,814 18,810 22,368 13,811 36,179 22,560 2,629 623 1,148
Two adults less than 65 no child at home 997 16,488 106,753 80,244 13,836 94,079 63,039 7,383 2,084 3,743
Two adults: 65 or older no child at home 610 6,902 18,714 65,057 26,274 91,331 64,300 9,118 1,828 2,924
Two adult hh with one or two children 18,736 30,230 160,976 140,296 43,576 183,872 117,176 13,481 2,386 6,474
Two adult hh with at least 3 children 8,546 10,148 36,322 40,719 18,500 59,219 33,761 3,512 532 1,698
Others 5,114 13,488 60,294 62,077 25,388 87,466 42,420 4,996 1,052 2,251
Source of income: mixed income 5,198 63,957 15,485 62,264 11,336 73,599 40,394 4,479 1,080 1,996
Source of income: compensation of employ 28,900 18,317 416,103 285,296 65,182 350,480 241,796 26,145 6,577 12,931
Source of income: old age benefits 5,926 5,507 18,314 105,684 39,608 145,292 115,122 14,912 3,872 4,734
Source of income: property income 645 856 3,711 18,765 1,109 19,874 10,187 764 127 519
Source of income: other 4,741 7,146 24,881 46,100 69,085 115,184 55,646 6,843 2,075 2,984
Main earner: to 34 years 3,727 13,203 84,794 68,603 24,050 92,653 67,350 7,476 2,250 3,919
Main earner: 35 to 44 years 12,214 20,412 105,750 94,453 33,477 127,929 82,914 9,243 2,196 4,597
Main earner: 45 to 54 years 15,228 26,394 130,797 120,439 38,543 158,982 100,766 10,824 2,375 5,318
Main earner: 55 to 64 years 8,753 24,273 128,133 117,465 28,712 146,176 95,222 10,689 3,274 4,590
Main earner: 65 years or older 5,488 11,501 29,020 117,149 61,538 178,689 116,893 14,911 3,636 4,740
Home ownership: Owner-occupied home 45,120 72,173 358,536 371,388 97,876 469,263 323,851 36,287 7,732 15,485
Home ownership: Rent 290 23,610 119,958 146,721 88,444 235,166 139,294 16,856 5,999 7,679
Net worth: 1st 10%-group 692 2,040 17,024 19,388 14,654 34,042 25,702 2,944 1,224 1,501
Net worth: 2nd 10%-group 319 1,950 21,516 25,822 19,496 45,317 28,984 3,531 1,335 1,555
Net worth: 3rd 10%-group 357 3,870 29,574 31,799 18,748 50,547 31,783 3,854 1,316 1,681
Net worth: 4th 10%-group 1,128 6,547 35,844 38,799 17,524 56,323 36,319 4,456 1,348 1,903
Net worth: 5th 10%-group 4,047 6,958 49,949 47,295 17,020 64,315 44,608 5,310 1,396 2,286
Net worth: 6th 10%-group 6,481 7,695 55,610 53,001 18,334 71,335 50,499 5,917 1,371 2,489
Net worth: 7th 10%-group 7,412 8,996 57,091 57,429 18,909 76,338 53,555 6,240 1,365 2,567
Net worth: 8th 10%-group 7,790 11,006 60,349 63,177 18,858 82,036 56,379 6,505 1,395 2,673
Net worth: 9th 10%-group 8,130 14,861 66,820 72,528 18,815 91,344 60,390 6,808 1,447 2,856
Net worth: 10th 10%-group 9,054 31,860 84,717 108,871 23,962 132,832 74,926 7,578 1,534 3,653
Source: CBS.
Explanation of symbols

Table explanation


This table describes the income, consumption, saving and wealth distributions of the sector households in the national accounts across different household groups. Whereas macro-economic aggregates and averages convey merely the general situation, these distributional statistics provide insight into how economic resources and developments are distributed among different segments of the population. The relevance lies in the fact that the economic aggregates or growth of the Household sector may by reflected differently and unevenly when decomposed by different household groups. The Households sector is broken down into groups identified by main source of income, living situation, household composition, age class of the head of the household, income deciles, and net worth deciles.
These statistics are produced through combining microdata on households (among others administrative data and surveys) with the National Accounts aggregates. By adhering to the National Accounts totals, these distributional statistics align to the official macro-economic statistics. To accomplish this alignment, definitional, population-related, and methodological differences between micro- and macro-statistics are analyzed and resolved. Since National Accounts are internationally harmonized in terms of concepts and methodology, these aggregates are comparable across countries. Hence, due to the alignment to National Accounts totals, these distributional statistics have similar international comparability.
The methodology applied is developed in international context within expert groups of the OECD, ECB, and Eurostat, among others the work of the Expert Group on Disparities in a National Accounts framework (EG DNA). This methodology is outlined in the OECD Handbook on the Compilation of Household Distributional Results on Income, Consumption and Saving in Line with National Accounts Totals.

Data available from: 2021.

Status of the figures:
All data are provisional. The macro statistics are final, however the micro data used have varying statuses. The methodology is still under development at the international level.

Changes as of January 29th 2026:
None. This is a new table. Statistics Netherlands has carried out a revision of the national accounts. The Dutch national accounts are recently revised. New statistical sources, methods and concepts are implemented in the national accounts, in order to align the picture of the Dutch economy with all underlying source data and international guidelines for the compilation of the national accounts. This table contains revised data. For further information see section 3.

When will new figures be published?
New figures will be released at T+2 at the latest.

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.
Total 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.
Food and non-alcoholic beverages
Food and non-alcoholic beverages
Alcoholic beverages, tobacco, narcotic
Alcoholic beverages, tobacco and narcotics
Clothing and footwear
Clothing and footwear