Wealth Reality Check
What are your real odds of reaching €100K, €500K, or €1M in net worth? Based on income, savings rate, investment approach, and demographic data.
Key statistics
- Only ~8% of adults globally have a net worth above €1M
- ~35% of adults in high-income countries reach €100K net worth
- Savings rate is the single biggest lever — a 20% savings rate vs 5% roughly doubles long-term wealth accumulation probability
- Business ownership increases the probability of reaching €1M+ by approximately 3×
- Starting investing at 25 vs 35 roughly doubles the probability of reaching financial independence by 55
How it works
- Choose your target milestone — €100K, €500K, €1M, €5M, €10M, or €100M net worth.
- Enter your current situation — Net worth, monthly income, country, and city.
- Set savings and investment habits — Savings rate, investment approach (cash/conservative/balanced/growth/aggressive), business ownership, real estate.
- Get your probability and timeline — Statistical probability, estimated years to milestone, and cohort ranking.
Methodology
Wealth distributions are sourced from Credit Suisse Global Wealth Report, OECD household wealth data, ECB Household Finance and Consumption Survey, and national tax authority data. Investment return assumptions use 20-year rolling averages by asset class.