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Canadian wealth benchmark

See where your income and net worth stand.

Build your household net worth, add the main earner's employment income, compare both with public Canadian benchmarks, then explore how age, province, and steady saving change the picture.

Calculate your rank No signup. Inputs stay in your browser.
Net worth, made simple
Assets $410K
Debts $15K

Include cash, investments, home equity, pensions, vehicles, and business equity. Subtract every outstanding debt.

$519.7KCanada median
$1.3MTop 20% estimate
2023Latest SFS release
Wealth dashboard

One profile. A fuller financial picture.

Official Canadian medians anchor the wealth and wage comparisons. Single-age curves and local percentile ranges are estimated because complete tables are not published at that detail. Treat every result as context, not a score.

Build your profile

Household view
The 2023 Survey of Financial Security covers all 10 provinces.
Compared with households led by someone age 35 to 44.
Before-tax wages, salaries, and commissions. Self-employment income is not included in the cited wage series.
Bank accounts, TFSA, RRSP, pensions, and other investments.
Current home value minus the mortgage balance.
Vehicles, business equity, valuables, and other property.
Student loans, credit cards, and non-mortgage debt.
What should I include?

Use what your household owns today, less what it owes today.

  • Include registered and non-registered investments, cash, property equity, pensions, vehicles, and business equity.
  • Subtract mortgages, loans, credit cards, and lines of credit.
  • Do not include annual income in these net worth fields or use the full value of a home without also subtracting its mortgage.

All values are CAD. Nothing is uploaded, stored, or tied to an account.

Your result Estimate ready
Estimated household net worth
$395,000

Your comparison updates when you change an input.

44th national percentile
National rank 44th
Canada comparison 44th
Age 35 to 44 peers 49th
Income vs age peers 50th

Explore the comparison

44th

Select a comparison to see the relevant benchmarks.

$025th percentile
$0Median
$0Top 20%
$0Top 10%
$0Top 1%
Planning scenario

Where consistency could lead

Explore a constant-dollar scenario using a real return after inflation. It is a planning illustration, not a market forecast.

4% is the assumed annual return after inflation.

The scenario applies one return to total net worth and assumes additions are made at year-end. Real life includes taxes, housing changes, fees, and uneven returns.

In 27 years $0
Estimated target-age rank 0th
Your added savings$0
Estimated growth$0
Today
$0
Projection
$0
Peer median
$0
Explore the benchmarks

See the data from more than one angle.

Ten benchmark views connect income, net worth, age, province, and financial composition. They respond to the profile above without sending your information anywhere.

This changes the chart readouts only. Your calculator age remains unchanged.
Age 38

Estimated employment income by age

Individual wage percentile curves - Canada estimate

Interactive
Estimated annual employment-income percentile curves by age with a marker for the entered income.
90th percentile 75th percentile Median 25th percentile 10th percentile Your income
How the income curves are estimated

Official 2023 wage medians anchor each age band. Lines between ages and the 10th, 25th, 75th, and 90th percentile ranges are interpolated estimates, scaled by the selected province's official median wage.

Estimated net worth by age

Household percentile curves - Canada estimate

Interactive
Estimated household net worth percentile curves by age, with a marker for the calculator result.
90th percentile 75th percentile Median 25th percentile 10th percentile Your estimate
How this chart is estimated

The lines scale national percentile thresholds using the five published age-group medians, with simple interpolation between groups. Province selection applies the same median adjustment used elsewhere on this page. It is a smooth planning view, not single-age survey data.

Median income composition by age

Employment, investments, pensions, and transfers

Estimated median income components across age.
Employment Investment Pensions Transfers

About this composition

The changing mix is an educational estimate informed by Canadian Income Survey and benefit patterns. It is not a published single-age breakdown.

Median wealth composition by age

Real estate, financial assets, pensions, debt, and net worth

Estimated median asset and debt composition across age.
Real estate Financial Pensions Other Debt Net worth

About this composition

Age-group net worth is official. Component shares and debt paths are smoothed educational estimates informed by the Survey of Financial Security asset and debt categories.

Employment income distribution

Age and province-adjusted estimate

Estimated employment income distribution with a marker for the entered income.

How the distribution is estimated

A smooth log-normal curve is fitted around the selected age and province median. It illustrates skew and percentile position; it is not a count of individual tax records.

Net worth distribution

Household percentile model

Estimated household net worth distribution with a marker for the calculator result.

How the distribution is estimated

The bars are synthesized from the page's published national percentile anchors, then scaled for age and province. They are not survey microdata.

Median income by province

Official 2023 median wages with estimated 10th-90th ranges

Median annual wages by Canadian province with estimated percentile ranges.

About the province ranges

Median dots are official annual wages, salaries, and commissions. Whiskers use the same estimated national percentile ratios as the income-age chart.

Target-age net worth by province

Estimated household range at age 65

Estimated median household net worth by province at the selected target age with percentile ranges.

How target-age ranges are estimated

Each province's 2023 median is combined with the selected target-age median and national percentile ratios. This is a comparison benchmark, not a forecast of provincial markets.

Employment income by sex and age

Official median wage anchors with estimated percentile bands

Estimated employment income by age for women and men, with a marker for the entered income.
Men median Women median Your income

What this comparison can and cannot show

Official age-by-sex medians include full-time, part-time, full-year, and part-year wage earners. The chart describes group medians and does not explain differences in hours, occupation, experience, or caregiving.

Median income versus net worth by age

How the two benchmarks move through a financial lifetime

A connected scatter chart comparing median employment income and median net worth by age.
Age path Your profile

Important interpretation note

Each point pairs separate median wage and family net worth series for the same age. It does not follow the same households over time and does not imply that income alone caused the wealth shown.

Current median wealth by province

2023 family net worth - select a row to compare

Canada median: $519,700.

About the province data

Bars use the median family net worth values from the 2023 Survey of Financial Security. Territories are not included in that provincial comparison.

Your wealth composition

How the assets and debts entered above build your result

Cash & investments$0
Home equity$0
Other assets$0
Debts subtracted$0
Debt as a share of assets0%

Your chart updates with the detailed inputs above.

Use the number well

A rank is context, not a verdict.

01

Compare like with like

Age, home ownership, family size, pensions, and regional housing costs can move net worth dramatically. Start with your age-peer view before drawing conclusions.

02

Watch the direction

A rising net worth over several years is usually more useful than a single percentile. Track assets and debts consistently, using the same definitions each time.

03

Focus on controllables

Debt reduction, an emergency reserve, regular investing, and avoiding concentrated bets matter more than chasing somebody else's rank.

Data, method, and important limitations

The national wealth curve interpolates between published family net worth benchmarks. Age and province estimates scale that curve using corresponding official medians. Income views use official 2023 wage medians by age, sex, and province.

Single-age lines, percentile ranges, compositions, and histograms are transparent estimates between published anchors. Statistics Canada reports wealth for family units and wages for individual tax filers, so the page keeps those units labelled separately.

  • Results are estimates rounded for readability.
  • Negative net worth is supported.
  • Territories are excluded because the cited SFS provincial table covers the 10 provinces.
  • The future scenario uses today's dollars and does not model tax, fees, or volatility.

Sources: Statistics Canada Survey of Financial Security, 2023; SFS assets and debts by age; 2023 wages by age and sex; 2023 wages by province and sex; Parliamentary Budget Officer high-net-worth families update.