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

Changed on: 29/01/2026 06:30

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 Expenditure Final consumption expenditure Food and non-alcoholic beverages (mln euro)	Total amount Expenditure Final consumption expenditure Clothing and footwear (mln euro)	Total amount Expenditure Final consumption expenditure Furnishings, equipment and maintenance (mln euro)	Total amount Expenditure Final consumption expenditure Information and communication (mln euro)	Total amount Expenditure Final consumption expenditure Recreation, sport and culture (mln euro)	Total amount Expenditure Final consumption expenditure Restaurants and accommodation services (mln euro)	Total amount Expenditure Final consumption expenditure Insurance and financial services (mln euro)	Total amount Expenditure Final consumption expenditure Miscellaneous goods and services (mln euro)	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 Expenditure Final consumption expenditure Food and non-alcoholic beverages (1 000 euro)	Average amount Expenditure Final consumption expenditure Clothing and footwear (1 000 euro)	Average amount Expenditure Final consumption expenditure Furnishings, equipment and maintenance (1 000 euro)	Average amount Expenditure Final consumption expenditure Information and communication (1 000 euro)	Average amount Expenditure Final consumption expenditure Recreation, sport and culture (1 000 euro)	Average amount Expenditure Final consumption expenditure Restaurants and accommodation services (1 000 euro)	Average amount Expenditure Final consumption expenditure Insurance and financial services (1 000 euro)	Average amount Expenditure Final consumption expenditure Miscellaneous goods and services (1 000 euro)	Average amount Wealth Financial assets Pension entitlements and claims (1,000 euro)
Single 65 and older	2023*	4,268	4,719	1,443	2,363	1,952	4,251	2,614	4,514	2,663	159,535	3.4	3.8	1.2	1.9	1.6	3.4	2.1	3.6	2.1	128.4
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.

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.

Food and non-alcoholic beverages: Food and non-alcoholic beverages

Clothing and footwear: Clothing and footwear

Furnishings, equipment and maintenance: Furnishings, household equipment and routine household maintenance

Information and communication: Information and communication

Recreation, sport and culture: Recreation, sport and culture

Restaurants and accommodation services: Restaurants and accommodation services

Insurance and financial services: Insurance and financial services

Miscellaneous goods and services: Personal care, social protection and miscellaneous goods and services

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.