Disposable Income by Country 2026

The average amount of disposable income considers the gross income of the average citizen. This figure will be the most significant dollar amount because government taxes at the federal and state level are not included in the figure. The United States has the highest average disposable income compared to other countries. On average, as of 2023 data, the United States has $62,722 of gross disposable income per capita. The second-highest country with the most average disposable income is Luxembourg at $47,336, followed by Switzerland at $47,124. Rounding out the top five countries with the highest average disposable income amounts are Germany at $42,417 and Australia with $41,194.

Net Income

Another metric to consider when examining the amount of disposable income by country is the net income. This amount is calculated by determining the remaining net adjusted income after federal and state taxes are removed from the total. Still leading the global economy with disposable income is the United States, with $51,147 of net disposable income per household. The second-highest country with disposable income is Luxemburg, with $44,773. The third-place country with the most disposable net income per household is Switzerland, at $39,697. Norway is a surprise fourth-place finisher with $39,144 of net disposable income, while New Zealand rounds out the top five countries with $39,024.

Median Adjusted Income

The median adjusted income figure is the last consideration when comparing the countries with the most disposable income. This calculator is determined by factoring in several revenue streams. Not only is the average salary factored into the equation, but additional earnings from investments, funds, capital gains, and other government services and tax incentives are considered. Of course, like the net adjusted income, federal and state taxes are also removed from the amount. The median adjusted income is the most accurate number in many comparisons, painting the true picture of countries whose citizens have the most disposable income.

In the years 2021-22, the United States was again leading the charge for countries with disposable income, averaging a whopping $42,800 of disposable income per year. In second place was Luxemburg, with $42,486, putting it narrowly behind the United States. In third place, Norway had an average of $40,649 of disposable income every year for a single household, after government assistance and taxes were removed from the total figure. Completing our list of the top 5 median adjusted incomes in the world are both Switzerland and Canada, with an average of $38,475 and $36,656 of disposable income per year, respectively.