How to say "well-off" in Japanese

• 裕福ゆうふくCommon
  na-adjective, nounCovers 'well-off' only in the financial sense: having plenty of money. Typically used of people, families, and lifestyles; the pointed choice when material wealth, not general richness, is what you mean.
  彼かれの給料きゅうりょうでは裕福ゆうふくになれないだろう。↗

  He won't get fat on his salary.
• 豊かゆたかJLPT N3approx.Common
  na-adjectiveCovers 'well-off' in the financial sense too — a comfortable, affluent way of life — but it is the broader word, also describing richness or abundance that has nothing to do with money.
  豊ゆたかな社会しゃかいでは、大部分だいぶぶんの人々ひとびとが高たかい生活せいかつ水準すいじゅんを維持いじしている。↗

  In an affluent society most people have a high standard of living.

For 'well-off' in the money sense either word works, with 裕福 the more specifically financial choice; use 「豊か」 when you also want the wider nuance of richness or abundance beyond mere wealth.

Usage comparisons are AI-assisted and cross-checked by multiple models; for study reference only

• 裕福ゆうふくwealthy
• 豊かゆたかrich