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What does “Where you stand” compare me with?

Households in the country you will live in, from its official survey: your net worth where that country measures wealth, your household income where it publishes only income.

Part of this answer depends on your country’s system.

Where you stand, beside the financial freedom index on the Retirement Tracker, places your household on the distribution published by the official statistics body of the country you will be living in. Most countries publish household wealth, so the card compares your net worth — everything you own, your home included, minus everything you owe. Singapore, Hong Kong and Malaysia publish household income but no wealth distribution, so there the card compares your household income and says so.

How it is read

  • The survey is aged forward by inflation from the year it was collected; the citation under the card names the body, the survey, its year and the years of inflation applied.
  • Where the source allows, you are compared with households of your age band, income fifth and type of place; where it does not, the card says what it widened to.
  • The result is a percentile, or Top …% above the 95th. From the 70th percentile up, a second line places you among households in the top 30% — the band independence is realistic from, since national figures include households not saving at all.
  • No green, amber or red: where you sit is a fact, not a warning.

The survey, and what it compares, depend on the country you will be living in.

In United States

Compares net worth against the Federal Reserve’s Survey of Consumer Finances (2022), per family.

Sources for United States

  1. Survey of Consumer Finances (SCF) — Board of Governors of the Federal Reserve System

In Canada

Compares net worth against Statistics Canada’s Survey of Financial Security (2023), by age of the main income earner.

Sources for Canada

  1. Survey of Financial Security — net worth by age group — Statistics Canada

In United Kingdom

Compares net worth against the Office for National Statistics’ Wealth and Assets Survey, April 2020 to March 2022. It covers Great Britain, so Northern Ireland is not included.

Sources for United Kingdom

  1. Household total wealth in Great Britain: April 2020 to March 2022 — Office for National Statistics

In Europe

Compares net worth against the European Central Bank’s Household Finance and Consumption Survey (wave 2021), euro-area figures. It is a blend across countries, so the card marks it as indicative rather than your own country’s picture.

Sources for Europe

  1. Household Finance and Consumption Survey — European Central Bank

In Australia

Compares net worth against the Australian Bureau of Statistics’ Household Income and Wealth release for 2019–20, the latest full wealth release. The age profile is derived from the published averages.

Sources for Australia

  1. Household Income and Wealth, Australia — Australian Bureau of Statistics

In New Zealand

Compares net worth against Stats NZ’s household net worth statistics for the year ended June 2024. The median is published; the spread and age profile are derived, so the card marks it as indicative.

Sources for New Zealand

  1. Household net worth statistics: Year ended June 2024 — Stats NZ

In Singapore

Compares household income, because Singapore publishes no household wealth distribution. The source is the Department of Statistics’ Key Household Income Trends 2025; the spread is derived, so the card marks it as indicative.

Sources for Singapore

  1. Key Household Income Trends, 2025 — Singapore Department of Statistics

In Hong Kong

Compares household income, because Hong Kong publishes no household wealth survey. The source is the Census and Statistics Department’s household income figures from its General Household Survey (2025); the spread is derived, so the card marks it as indicative.

Sources for Hong Kong

  1. General Household Survey — Census and Statistics Department, Hong Kong SAR

In Japan

Compares household wealth against the Statistics Bureau of Japan’s 2019 National Survey of Family Income, Consumption and Wealth, using Japan’s own age groups. The survey publishes averages but no median, so the card marks it as indicative.

Sources for Japan

  1. National Survey of Family Income, Consumption and Wealth — Statistics Bureau of Japan

In India

Compares household wealth against the National Statistical Office’s All India Debt and Investment Survey (NSS 77th round, 2019). It publishes average assets by rural and urban sector, not net worth by age, so the age profile is derived and the card marks it as indicative.

Sources for India

  1. Press note: All India Debt & Investment Survey, NSS 77th round — National Statistical Office, Ministry of Statistics and Programme Implementation

In Malaysia

Compares household income, because Malaysia publishes household income but no household wealth distribution. The source is the Department of Statistics Malaysia’s Household Income Survey Report 2022.

Sources for Malaysia

  1. Household Income Survey Report 2022 (Malaysia & States) — Department of Statistics Malaysia

Nivritee

  • OverviewYour financial freedom outcomeWorkable4 of 6Does the money last to 90?
  • Retirement TrackerFinancial freedom index51/100Building momentumHow far along, how fast, how sturdy.
  • Retirement TrackerWhere you standTop 2%by net worthAgainst households in India, aged forward.
  • Freedom LadderSufficiency17%fundedOn trackIs the money where each job needs it?
  • Investment PerformanceReturn against your plan12.7%a year+1.7% vs 11.0%Is what you hold earning what the plan assumes?
  • Investment PerformanceHow the money is arranged85/100Well arrangedSix readings: spread, currency, concentration…
  • Action ItemsPlan healthAt risk9 openWhat in the plan is still a guess?
  • OverviewHow complete this plan is70%Taking shapeHow much rests on your own figures?
An illustrative household: Two adults, 38 and 36, two children, earning in Dubai and settling in Pune. Eight readings, each computed on the server, each answering one question — and none of them a model’s opinion.

Eight readings the illustrative household sees, as the site draws them. Where you stand sits on the Retirement Tracker beside the financial freedom index.

  • Where you stand: Top 2% by net worth, against households in India, aged forward.
  • Financial freedom index: a separate question — how far along, how fast, how sturdy.

Illustrative figures — not anybody’s real plan.

See this in your own plan.

Open Retirement Tracker

Last reviewed 1 October 2026.