Find out where you rank. Enter your net worth below to see your percentile compared to other Canadians, both nationally and within your age group.
Net worth percentile calculator
Enter your net worth and age group to see your percentile ranking.
Net worth percentile table: all Canadians
This table shows net worth thresholds at each percentile for Canadian families.
| Percentile | Net Worth Threshold | What It Means |
|---|---|---|
| 10th | $12,000 | Bottom 10% — may have significant debt |
| 20th | $75,000 | |
| 25th | $125,000 | |
| 30th | $195,000 | |
| 40th | $330,000 | |
| 50th (median) | $519,700 | Half of Canadians have more, half have less |
| 60th | $750,000 | |
| 70th | $1,050,000 | |
| 75th | $1,300,000 | |
| 80th | $1,650,000 | |
| 90th | $2,500,000 | Top 10% |
| 95th | $4,000,000 | Top 5% |
| 99th | $6,300,000+ | Top 1% |
Source: Statistics Canada Survey of Financial Security, Parliamentary Budget Officer.
Net worth percentile by age group
Net worth varies dramatically by age. Here are the percentile thresholds for each age group:
Under 35
| Percentile | Net Worth |
|---|---|
| 10th | −$15,000 |
| 25th | $35,000 |
| 50th (median) | $159,100 |
| 75th | $425,000 |
| 90th | $850,000 |
35 to 44
| Percentile | Net Worth |
|---|---|
| 10th | $15,000 |
| 25th | $150,000 |
| 50th (median) | $409,300 |
| 75th | $875,000 |
| 90th | $1,650,000 |
45 to 54
| Percentile | Net Worth |
|---|---|
| 10th | $30,000 |
| 25th | $250,000 |
| 50th (median) | $675,800 |
| 75th | $1,500,000 |
| 90th | $3,200,000 |
55 to 64
| Percentile | Net Worth |
|---|---|
| 10th | $40,000 |
| 25th | $325,000 |
| 50th (median) | $873,400 |
| 75th | $1,900,000 |
| 90th | $4,000,000 |
65 and over
| Percentile | Net Worth |
|---|---|
| 10th | $55,000 |
| 25th | $290,000 |
| 50th (median) | $738,900 |
| 75th | $1,500,000 |
| 90th | $2,800,000 |
How net worth percentile is calculated
Your net worth percentile tells you what percentage of Canadian families have less net worth than you. For example:
- 75th percentile = 75% of families have less net worth than you
- 50th percentile = You’re at the median; half have more, half have less
- 25th percentile = 75% of families have more net worth than you
What’s included in net worth:
- Primary residence (market value)
- Other real estate
- RRSPs, TFSAs, RRIFs, RESPs
- Non-registered investments
- Business equity
- Vehicles
- Employer pension value (estimated present value)
- Other assets
What’s subtracted:
- Mortgage balance
- Lines of credit
- Credit card debt
- Student loans
- Vehicle loans
- Other debts
Why net worth percentile matters
Tracking your percentile can help you:
- Benchmark progress — Are you on track compared to peers your age?
- Set goals — Aim to move up one decile (10 percentile points) every few years
- Reality check — Social media distorts perceptions of wealth; percentiles show the real picture
- Retirement planning — Higher percentiles at 55+ suggest better retirement readiness
Don’t obsess over it: Net worth is just one measure. Someone with a defined benefit pension may have lower “net worth” but excellent retirement security. Someone in rural Saskatchewan with $800,000 lives differently than someone in Vancouver with the same amount.
Common net worth milestones
| Net Worth | Approximate Percentile | Common Milestones |
|---|---|---|
| $0 | ~10th | No debt, starting fresh |
| $100,000 | ~25th | First major milestone |
| $250,000 | ~35th | Solid foundation |
| $500,000 | ~55th | Above median |
| $750,000 | ~63rd | Upper middle |
| $1,000,000 | ~70th | Millionaire (top 30%) |
| $2,000,000 | ~85th | Top 15% |
| $5,000,000 | ~97th | Top 3% |
| $10,000,000 | ~99th+ | Top 1% |
Tips to increase your net worth percentile
- Maximize tax-advantaged accounts — TFSA, RRSP, FHSA contributions compound tax-free or tax-deferred
- Pay down high-interest debt — Credit card debt at 20% is a guaranteed negative return
- Invest consistently — Dollar-cost averaging into diversified ETFs beats timing the market
- Increase income — Career advancement, side income, and skills development
- Control lifestyle inflation — As income rises, save the difference
- Buy a home if it makes sense — Home equity is the largest wealth driver for most Canadians