How do people of different ages plan their finances? All charts are based on plans users have shared anonymously.
Where are others at your age? wealth now, by age group
Monthly savings by age P25–P75 and median
Equity weight by age dashed line = 110 − age
Map of life at what age life's big events are planned
What the plans include share of plans where the event appears
Retirement dreams
Retirement age goal shading = statutory 65–68 y
How much of the monthly income is covered by the earnings-related pension?
Retirement goal type
Confidence level use Monte Carlo goal
Retirement finances income need, earnings-related pension and wealth at retirement
Mortgages in the plans
Already-owned wealth ownership rate and remaining loans
Realism assumption use and success %
Key figures in numbers medians, updated 2026-10-06
As of 2026-10-06: 83 anonymously shared plans, 74 of them genuinely edited (distributions computed from edited plans). Figures are medians of users' plans — not realised wealth, not a norm, not advice. Age-group distributions are published once a group has at least 30 plans (k-anonymity).
| Monthly savings | €1,000/mo | quartiles €500–€1,500 |
|---|---|---|
| Investable wealth now | €140,000 | quartiles €69,000–€370,000 |
| Equity weight | 95 % | quartiles 70–100 % |
| Target retirement age | 63 y | quartiles 54–65 y |
| Monthly income need in retirement | €2,700/mo | |
| Estimated statutory pension | €1,500/mo | user's own estimate |
| Pension share of retirement income | 63 % | |
| Success probability (Monte Carlo) | 54 % | quartiles 50–75 % |
| Home purchase in plan | 20 % | share of plans |
| Already owns a home | 18 % | share of plans |
| Inheritance or gift included | 16 % | share of plans |
| Child in plan | 4 % | share of plans |
| Inflation-adjusted figures in use | 31 % | share of plans |
Plans by age group: 18-34: 35 · 18-24: 6 · 25-29: 11 · 30-34: 18 · 35-49: 27 · 35-39: 7 · 40-44: 10 · 45-49: 10 · 50-64: 11 · 50-54: 5 · 55-59: 5 · 60-64: 1. Age-group distributions open: 18-34.
The success probability is recomputed from the shared inputs with the service's current calculation engine (version 2026-09-24, in today's money, 1000 market paths) — not taken from the time of sharing, so engine corrections apply to every plan.
Source: Varallisuuspolku open comparison data (stats.json, CC BY 4.0). Updated automatically.
Open data and method
Plans shared per month
What this data is: plans voluntarily shared by Varallisuuspolku users — not actual realised wealth. The sample is small and self-selected (people who use the tool), and the figures are a cross-section, not a follow-up study. So far the sharers have leaned towards early retirement and a high stock weight, so the figures do not describe a typical Finnish household.
Privacy: no identifiers, amounts rounded, distributions published only from groups of ≥ 30 plans. Raw data is never published — only aggregates: stats.json · server code
Plan data is indicative and doesn't describe actual realised wealth. This page is not investment advice. Varallisuuspolku — all planning happens in your own browser.