Here's a breakdown:

* Glaciers and Ice Caps: Around 68.7% of the world's freshwater is locked up in glaciers and ice caps.

* Groundwater: About 30.1% of freshwater is found underground.

* Surface Water: Only about 1.2% of freshwater is found in lakes, rivers, and swamps.

While the oceans hold the vast majority of Earth's water, it's saltwater and not suitable for direct human consumption.