Net Worth Percentile Calculator for Canada (2026)
Where does your net worth rank among Canadian households across every age? Enter your number and this calculator places you on the national distribution, from the bottom decile to the top fraction of a percent. It runs on Statistics Canada household data, entirely in your browser. Nothing you type is stored.
How to calculate your net worth
Net worth is everything you own minus everything you owe. Add your assets: home value, RRSPs and TFSAs, non-registered investments, pensions, business equity, vehicles, and cash. Subtract your liabilities: mortgage, car loans, lines of credit, credit cards, student loans. The number left over is your net worth. Honest estimates are fine, since rounding will not move your percentile.
Include your home equity and your pension. The Statistics Canada data behind this tool counts principal residences and pension entitlements, and for most Canadian households those two assets are the bulk of net worth.
What the numbers show
In the current data, the median Canadian household net worth is about $482,000. A quarter of households sit below roughly $220,000, and the 90th percentile is near $840,000. Above that the distribution climbs steeply: the top fraction of a percent runs past $15,000,000, almost entirely on the back of concentrated real estate and business equity.
That steepness is the real story of the Canadian distribution. The middle is compressed, so a modest change in your number can move your percentile a lot, while the top pulls away from everyone else. This is why a single percentile is more useful as a rough placement than a precise score.
A percentile is a starting point, not a verdict
People check this number for reassurance, for a target, or out of plain curiosity. Whatever brought you here, hold the result loosely. A percentile tells you where you stand on one axis, at one moment, against one population. It says nothing about your trajectory, and trajectory is the number that matters. I spent 27 years building toward a figure, hit it, and found the interesting questions start after. That is what the rest of this site is about.
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Frequently asked questions
Should I include my home in my net worth?
Yes. The Statistics Canada data behind this calculator includes principal residences. Add your home's market value to your assets and your remaining mortgage to your liabilities.
Is this individual or household net worth?
Household. If you share finances with a partner, enter your combined net worth for the most accurate comparison.
Does it include pensions?
Yes. Employer and government pension entitlements are part of household net worth in the underlying data. Include yours at its statement or commuted value.
Is my number stored?
No. The calculation runs entirely in your browser. Nothing you enter is saved or sent anywhere.