Where Do You Rank?
Income & Net Worth Percentiles
Compare your income and net worth against other Canadians your age and in your province, using Statistics Canada survey data. Nothing is stored — everything runs in your browser.
Your details
Your ranking
| You vs national median | — |
| You vs national average ($59,900) | — |
| To reach top 10% ($125,945) | — |
| To reach top 1% ($293,800) | — |
| Combined household income | — |
| You vs couple-family median | — |
| You vs your age median | — |
| You vs your province median | — |
| You vs national median | — |
How you compare
Median household net worth by age group
Median household net worth by province
Understanding where you stand financially in Canada
Most Canadians have no idea where they actually rank. Salary conversations are taboo, net worth conversations even more so, and the people who do talk about money online tend to be outliers — either doing exceptionally well or exceptionally badly. That leaves a huge gap between how people feel they're doing and how they're actually doing relative to everyone else.
This calculator fills that gap using two of the most reliable data sources available: the Statistics Canada Survey of Financial Security, which measures household assets and debts across the country, and income statistics derived from Canadian tax filings. Neither depends on self-reported internet surveys or anecdotes.
Why net worth is compared by age group
Comparing a 28-year-old's net worth to a 60-year-old's is meaningless. Wealth compounds over a working lifetime — the median Canadian household under 35 has a net worth of $159,100, while the median household aged 55 to 64 sits at $873,400. That's not because older Canadians are better with money; they've simply had three more decades of earning, saving, mortgage paydown, and market growth. Ranking yourself against your own age group tells you whether you're ahead of or behind the curve that actually applies to you.
Why the provincial gap is so large
The median household in British Columbia is worth $773,500 — nearly triple the $286,200 median in New Brunswick. The single biggest driver is home equity. Provinces with expensive housing markets show dramatically higher household net worth because a principal residence is the largest asset most Canadian families own. This cuts both ways: a high net worth that is mostly locked in home equity doesn't generate income and can't easily be spent without selling or borrowing against it.
Income percentiles vs net worth percentiles
The two often tell very different stories. A high income with high spending builds surprisingly little wealth, while a modest income saved consistently for decades can quietly outrank the majority. It's common to rank higher on income than net worth early in a career (you're earning well but haven't accumulated yet) and the reverse later in life (your assets have grown but you've retired from peak earnings). If your net worth percentile is well below your income percentile for a sustained period, your savings rate — not your salary — is usually the thing to look at.
What counts as net worth
Use the household definition StatsCan uses: add up everything your household owns — home value, investment accounts, RRSPs, TFSAs, pensions with a commuted value, vehicles, cash — and subtract everything it owes, including the mortgage, car loans, student loans, and credit card balances. Employer pension plans are a commonly missed asset; a defined benefit pension in particular can be worth hundreds of thousands of dollars and is included in the StatsCan figures you're being compared against.
Frequently asked questions
Common questions about income and net worth percentiles in Canada.
Can I compare as a couple instead of individually?
Yes. Add your partner's income in the optional field and the income comparison switches from individual tax filers to Canadian couple families, using your combined household income. Net worth is always compared at the household level regardless.
Does this account for my city or family size?
Partly. The provincial comparisons capture the biggest geographic differences, but the data isn't broken down by city, and percentiles don't adjust for how many people your income supports. A $120,000 household income in rural Manitoba supporting two people is a very different life than the same income in Toronto supporting five. Treat your rank as a starting point, not a verdict.
Is my data stored anywhere?
No. Everything runs entirely in your browser. Nothing you type is sent to a server, stored, or shared.
Should I use individual or household net worth?
Household. The Statistics Canada Survey of Financial Security measures economic families, so the medians and percentiles you're compared against are household figures. If you're single, your individual net worth is your household net worth.
Is the income comparison individual or household?
Individual. The income percentile compares your personal total income against all Canadian tax filers, based on Statistics Canada tax filing data.
Does net worth include my home and pension?
Yes to both. Include your home's market value (minus the mortgage) and the value of pensions, including employer plans. StatsCan includes both in the survey data, so leaving them out would understate your ranking.
How accurate are the percentiles?
The medians by age group and province are exact figures from the 2023 Survey of Financial Security. Positions between published data points are interpolated, so treat your percentile as a close estimate rather than a precise measurement — within a few percentile points in the middle of the distribution.
Why does the data say 2023?
The Survey of Financial Security is conducted roughly every three to four years, and the 2023 cycle (released October 2024) is the most recent available. Asset values have moved since then, but relative rankings shift slowly.