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Net Worth Percentile Calculator Canada: Where You Rank, Average vs Median, Top 1%

Updated

This calculator shows where your net worth ranks among Canadian families, using Statistics Canada’s 2023 Survey of Financial Security (SFS) and the Parliamentary Budget Officer’s (PBO) estimate of the top 1%. If you haven’t worked out your net worth yet, the net worth calculator adds it up and explains what counts; both tools are part of the financial planning hub.

Compare your net worth

Enter your net worth and age group to compare.

The comparison uses family net worth, with the home at what it would sell for and employer pension plans included. Statistics Canada counts relatives who live together (a couple, a parent and children) as one family unit, and a person living alone or with non-relatives as a unit of one, and groups units by the age of the family’s major income earner. If you’re single, you’re being compared with a mix of couples and single-person households.

What the calculator compares against

Your age group’s median. Median family net worth in 2023 ranged from $159,100 where the main earner was under 35 to $873,400 at 55 to 64. The full table, with averages and provinces, is on net worth by age.

The five wealth groups. Statistics Canada ranks all families by net worth and splits them into fifths; the table below gives each group’s median and average.

The top 1%. The PBO’s estimate of where the top 1% starts is further down.

Average vs median net worth

All Canadian families (2023)Net worth
Median$519,700
Average$995,900

The median is the family in the middle: half of all families have more, half have less. The average is the total of every family’s net worth divided by the number of families, so a relatively small number of very large fortunes lifts it well above what a typical family has. Because the average sits above the median, more than half of families have less than the average.

Net worth by fifth of families

GroupMedian net worthAverage net worthShare of all family wealth
Lowest 20%$12,800$11,2000.2%
Second 20%$174,300$181,5003.6%
Middle 20%$519,700$525,80010.6%
Fourth 20%$1,078,600$1,100,10022.1%
Top 20%$2,488,700$3,160,70063.5%

Source: Statistics Canada, table 11-10-0049-01, Survey of Financial Security, 2023 (in 2023 dollars). Share = the group’s total net worth divided by the total for all families.

Each figure describes the middle or the average of a group. The table gives totals, medians and averages for each fifth, not the net worth at which one group ends and the next begins.

The top 1%

The SFS can’t show the very top well: Statistics Canada notes that its sample is too small to represent families with very high wealth, so the share held by the top 1% is understated in the survey. The PBO adds published lists of the richest Canadians to the survey data, and says most of its better picture of the top comes from those lists. For 2023, it estimates:

  • A family needed at least $7.4 million in net wealth to be in the top 1%, a group of about 169,400 families.
  • The top 1% held 24% of all family net wealth, the top 10% held 53%, and the top 20% held 69%.

The PBO’s top-20% share differs from the SFS table’s because of that adjustment; the two sources measure the same thing in different ways.

Why there’s no exact percentile

A percentile (“more than 70% of families”) needs the net worth at each point in the distribution. The Statistics Canada tables this page uses give medians and averages by age and province, and results for each fifth of families, not the net worth at each percentile. Estimating a percentile between those points would mean presenting a guess as a statistic, so the calculator tells you which published figures your number sits between instead.

Reading your result

  • Home ownership and a pension are big swing factors. Among families with a main earner aged 55 to 64, those who owned their home and had an employer pension had a median net worth of about $1.4 million, against $11,900 for those who rented and had none.
  • A defined benefit pension counts. Its value, on a termination basis, is in the Statistics Canada figures; see whether to include your pension and pension commuted value.
  • Age matters more than the national number. A 30-year-old below the all-ages median may still be above the median for under-35s.

How net worth grows over time, through saving, investing and reducing debt, is covered in how to build wealth in Canada.

Sources

The figures and rules on this page come from these sources, last checked against them on September 25, 2026. How we check facts.