How do your finances compare?
Median net worth by age, savings rates, asset allocation and investing participation of households — from public statistics (ECB HFCS, Eurostat, US Fed). Pick a country and sign in to see where you stand.
Median net worth by age — Czechia
Net worth = all assets minus all debts. Median means half of households have less, half more.
| Age group | Median | Mean |
|---|---|---|
| 16-34 | CZK 1,097,500 | CZK 1,890,000 |
| 35-44 | CZK 2,567,500 | CZK 3,517,500 |
| 45-54 | CZK 2,560,000 | CZK 3,520,000 |
| 55-64 | CZK 3,105,000 | CZK 4,492,500 |
| 65-74 | CZK 2,572,500 | CZK 3,545,000 |
| 75+ | CZK 1,950,000 | CZK 2,822,500 |
National median net worth: CZK 2,432,500
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021) · přepočet ~25 Kč/€
What net worth puts you in each percentile
If your net worth exceeds a threshold, you are above that share of households.
| Higher than | Net worth above |
|---|---|
| ~10 % | CZK 60,000 |
| ~20 % | CZK 490,000 |
| ~30 % | CZK 1,192,500 |
| ~40 % | CZK 1,827,500 |
| ~50 % | CZK 2,432,500 |
| ~60 % | CZK 3,100,000 |
| ~70 % | CZK 3,945,000 |
| ~80 % | CZK 5,060,000 |
| ~90 % | CZK 7,420,000 |
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Household saving rate
Share of income saved (gross household saving rate).
Source: Eurostat (tec00131 / nasa_10_ki) (2024)
How a typical household splits its financial assets
Eurostat groups direct shares, funds and business stakes together, so “equity & funds” can include unlisted ownership.
- Deposits & cash40.5 %
- Equity, funds & shares47.9 %
- Insurance & pensions7.3 %
Source: Eurostat (nasa_10_f_bs) (2024)
Investing participation
Share of households holding each asset type.
- Funds7.9 %
- Stocks3.8 %
- Bonds1.8 %
- Voluntary pension / life ins.15.6 %
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Median net worth by age — Slovakia
Net worth = all assets minus all debts. Median means half of households have less, half more.
| Age group | Median | Mean |
|---|---|---|
| 16-34 | €71,500 | €84,300 |
| 35-44 | €83,800 | €105,900 |
| 45-54 | €105,900 | €132,800 |
| 55-64 | €128,700 | €172,200 |
| 65-74 | €100,800 | €132,400 |
| 75+ | €82,500 | €96,400 |
National median net worth: €97,000
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
What net worth puts you in each percentile
If your net worth exceeds a threshold, you are above that share of households.
| Higher than | Net worth above |
|---|---|
| ~10 % | €16,700 |
| ~20 % | €42,200 |
| ~30 % | €63,100 |
| ~40 % | €80,700 |
| ~50 % | €97,000 |
| ~60 % | €118,200 |
| ~70 % | €141,800 |
| ~80 % | €176,400 |
| ~90 % | €245,200 |
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Household saving rate
Share of income saved (gross household saving rate).
Source: Eurostat (tec00131 / nasa_10_ki) (2024)
How a typical household splits its financial assets
Eurostat groups direct shares, funds and business stakes together, so “equity & funds” can include unlisted ownership.
- Deposits & cash44.7 %
- Equity, funds & shares21.4 %
- Insurance & pensions22.1 %
Source: Eurostat (nasa_10_f_bs) (2024)
Investing participation
Share of households holding each asset type.
- Funds4.4 %
- Stocks1.8 %
- Bonds0.7 %
- Voluntary pension / life ins.16.1 %
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Median net worth by age — Germany
Net worth = all assets minus all debts. Median means half of households have less, half more.
| Age group | Median | Mean |
|---|---|---|
| 16-34 | €16,300 | €94,700 |
| 35-44 | €65,700 | €213,300 |
| 45-54 | €155,200 | €441,200 |
| 55-64 | €230,300 | €420,100 |
| 65-74 | €232,100 | €372,000 |
| 75+ | €129,900 | €343,600 |
National median net worth: €106,700
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
What net worth puts you in each percentile
If your net worth exceeds a threshold, you are above that share of households.
| Higher than | Net worth above |
|---|---|
| ~10 % | €900 |
| ~20 % | €7,000 |
| ~30 % | €18,800 |
| ~40 % | €43,900 |
| ~50 % | €106,700 |
| ~60 % | €185,600 |
| ~70 % | €297,300 |
| ~80 % | €430,900 |
| ~90 % | €726,200 |
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Household saving rate
Share of income saved (gross household saving rate).
Source: Eurostat (tec00131 / nasa_10_ki) (2024)
How a typical household splits its financial assets
Eurostat groups direct shares, funds and business stakes together, so “equity & funds” can include unlisted ownership.
- Deposits & cash37.6 %
- Equity, funds & shares31.6 %
- Insurance & pensions28.5 %
Source: Eurostat (nasa_10_f_bs) (2024)
Investing participation
Share of households holding each asset type.
- Funds20.6 %
- Stocks15.4 %
- Bonds3.1 %
- Voluntary pension / life ins.41.9 %
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Median net worth by age — Austria
Net worth = all assets minus all debts. Median means half of households have less, half more.
| Age group | Median | Mean |
|---|---|---|
| 16-34 | €12,800 | €105,600 |
| 35-44 | €61,700 | €285,300 |
| 45-54 | €188,000 | €310,400 |
| 55-64 | €202,800 | €398,100 |
| 65-74 | €188,500 | €267,200 |
| 75+ | €92,300 | €288,300 |
National median net worth: €127,800
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
What net worth puts you in each percentile
If your net worth exceeds a threshold, you are above that share of households.
| Higher than | Net worth above |
|---|---|
| ~10 % | €2,400 |
| ~20 % | €9,800 |
| ~30 % | €23,500 |
| ~40 % | €50,900 |
| ~50 % | €127,800 |
| ~60 % | €207,900 |
| ~70 % | €281,300 |
| ~80 % | €406,800 |
| ~90 % | €702,100 |
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Household saving rate
Share of income saved (gross household saving rate).
Source: Eurostat (tec00131 / nasa_10_ki) (2024)
How a typical household splits its financial assets
Eurostat groups direct shares, funds and business stakes together, so “equity & funds” can include unlisted ownership.
- Deposits & cash37.8 %
- Equity, funds & shares40.9 %
- Insurance & pensions15.5 %
Source: Eurostat (nasa_10_f_bs) (2024)
Investing participation
Share of households holding each asset type.
- Funds12.3 %
- Stocks6.1 %
- Bonds2.5 %
- Voluntary pension / life ins.6.7 %
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Median net worth by age — France
Net worth = all assets minus all debts. Median means half of households have less, half more.
| Age group | Median | Mean |
|---|---|---|
| 16-34 | €22,400 | €89,500 |
| 35-44 | €84,000 | €188,000 |
| 45-54 | €143,000 | €318,900 |
| 55-64 | €191,200 | €360,100 |
| 65-74 | €232,800 | €367,300 |
| 75+ | €201,300 | €325,600 |
National median net worth: €125,700
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
What net worth puts you in each percentile
If your net worth exceeds a threshold, you are above that share of households.
| Higher than | Net worth above |
|---|---|
| ~10 % | €3,100 |
| ~20 % | €10,600 |
| ~30 % | €27,100 |
| ~40 % | €68,000 |
| ~50 % | €125,700 |
| ~60 % | €194,800 |
| ~70 % | €277,900 |
| ~80 % | €396,900 |
| ~90 % | €633,600 |
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Household saving rate
Share of income saved (gross household saving rate).
Source: Eurostat (tec00131 / nasa_10_ki) (2024)
How a typical household splits its financial assets
Eurostat groups direct shares, funds and business stakes together, so “equity & funds” can include unlisted ownership.
- Deposits & cash28.9 %
- Equity, funds & shares30.8 %
- Insurance & pensions31.5 %
Source: Eurostat (nasa_10_f_bs) (2024)
Investing participation
Share of households holding each asset type.
- Funds8.7 %
- Stocks12.1 %
- Bonds0.6 %
- Voluntary pension / life ins.39.8 %
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Median net worth by age — Euro area
Net worth = all assets minus all debts. Median means half of households have less, half more.
| Age group | Median | Mean |
|---|---|---|
| 16-34 | €21,700 | €100,200 |
| 35-44 | €88,400 | €198,400 |
| 45-54 | €146,800 | €343,600 |
| 55-64 | €195,200 | €393,600 |
| 65-74 | €185,300 | €341,200 |
| 75+ | €144,400 | €308,100 |
National median net worth: €123,500
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
What net worth puts you in each percentile
If your net worth exceeds a threshold, you are above that share of households.
| Higher than | Net worth above |
|---|---|
| ~10 % | €2,000 |
| ~20 % | €11,600 |
| ~30 % | €35,000 |
| ~40 % | €76,500 |
| ~50 % | €123,500 |
| ~60 % | €184,200 |
| ~70 % | €265,500 |
| ~80 % | €383,200 |
| ~90 % | €644,600 |
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Household saving rate
Share of income saved (gross household saving rate).
Source: Eurostat (tec00131 / nasa_10_ki) (2024)
How a typical household splits its financial assets
Eurostat groups direct shares, funds and business stakes together, so “equity & funds” can include unlisted ownership.
- Deposits & cash31.4 %
- Equity, funds & shares35.3 %
- Insurance & pensions27.1 %
Source: Eurostat (nasa_10_f_bs) (2024)
Investing participation
Share of households holding each asset type.
- Funds12.9 %
- Stocks10.9 %
- Bonds3.2 %
- Voluntary pension / life ins.28.4 %
Source: ECB — HFCS Statistical Tables, Wave 2021 (2021)
Median net worth by age — United States
Net worth = all assets minus all debts. Median means half of households have less, half more.
| Age group | Median | Mean |
|---|---|---|
| 16-34 | $39,000 | $183,500 |
| 35-44 | $135,600 | $549,600 |
| 45-54 | $247,200 | $975,800 |
| 55-64 | $364,500 | $1,566,900 |
| 65-74 | $409,900 | $1,794,600 |
| 75+ | $335,600 | $1,624,100 |
National median net worth: $192,084
Source: US Federal Reserve — Survey of Consumer Finances 2022 (2022)
What net worth puts you in each percentile
If your net worth exceeds a threshold, you are above that share of households.
| Higher than | Net worth above |
|---|---|
| ~10 % | $440 |
| ~20 % | $13,528 |
| ~25 % | $27,016 |
| ~50 % | $192,084 |
| ~75 % | $658,340 |
| ~90 % | $1,920,758 |
| ~95 % | $3,779,600 |
Source: US Federal Reserve — Survey of Consumer Finances 2022 (2022)
Household saving rate
Share of income saved (gross household saving rate).
Source: US BEA / FRED — Personal Saving Rate (PSAVERT) (2024)
How a typical household splits its financial assets
Eurostat groups direct shares, funds and business stakes together, so “equity & funds” can include unlisted ownership.
- Deposits & cash15.2 %
- Equity, funds & shares38.8 %
- Insurance & pensions26.6 %
Source: US Federal Reserve — Financial Accounts (Z.1, B.101) (2025)
Investing participation
Share of households holding each asset type. (stocks = přímo i nepřímo (vč. fondů a penzijních účtů))
- Stocks58 %
- Voluntary pension / life ins.54.3 %
Source: US Federal Reserve — Survey of Consumer Finances 2022 (2022)
Emergency fund
Common guidance is 3–6 months of expenses in liquid savings (no universal number).
Source: Vanguard — Emergency fund
Method & sources
Rough orientation points from public statistics, cited per section. Net worth & participation: ECB HFCS Wave 2021. Saving rate & allocation: Eurostat 2024. US: Fed SCF 2022 / FRED / Fed Z.1. Cross-country comparison should be read with care (methodological differences). US saving rate uses a different definition than Eurostat.
Data as of 2026-06
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