WEALTHDASHBOARD.CA

See how you stack up financially against other Canadians.

Public Canadian data No signup required 2027 modeled estimates All values in CAD Support Wealth Dashboard
Household income shows the combined income of everyone living together. Individual income adjusts this to reflect what a typical person in that household would have. The dashboard uses the square-root equivalence scale: income / sqrt(household size). Use Individuals for your own income and balances, or Households for combined household amounts. Individual-view wealth uses a modeled square-root adjustment based on 2.4 people per household. Income uses individual wage benchmarks and a separate 1.85 household-income proxy. These modeled adjustments do not turn household statistics into observed individual data.
How to calculate net worth

Net worth = total assets minus total debts.

Add asset values:
• Cash & savings
• Investments (TFSA, RRSP, non-registered)
• Full market value of your home and other real estate
• Employer-sponsored pension value (not already counted above)
• Vehicles and other assets (approximate resale value)

Subtract:
• All mortgages (subtract each balance once)
• Student loans
• Credit card balances
• Lines of credit, including investment margin loans

Use your ownership share of assets and debts in Individual view; use combined household balances in Household view.

Do NOT include your annual income.

Example: a $700,000 home + $100,000 investments − $450,000 mortgage − $20,000 other debt = $330,000 net worth. Enter the full home value, not equity, when subtracting the mortgage separately.

Pensions: include employer-sponsored pension assets (for example, a DB plan commuted/actuarial value). Do not include CPP/QPP, OAS, Social Security, or other government pension entitlements.
Wealth Detail Use the same household / individual scope as above

Check your net worth

Add full asset values and subtract each debt once. Blank fields count as $0 in this subtotal. Include each account or pension balance only once.

Detailed assets
—
Detailed debts
—
Calculated net worth
—

Enter any asset or debt to calculate a subtotal. The top-row net worth is used when you press Compare.

Cash Flow
Take-Home Pay

Your net pay after income tax, CPP, and EI — from all employment sources. This is the amount deposited to your bank account — what you see on your paycheque.

Don't include: investment returns, rental income, government transfers (OAS, CERB), or one-time windfalls. Those go in net worth, not cash flow.
Spending

Everything you spend on living: housing, food, transport, utilities, subscriptions, insurance, dining, clothing, and minimum loan/mortgage payments.

Don't include: new savings or investments — those go in the next field. Double-counting is the most common mistake here.
Savings / Invested

New money being put to work: TFSA, RRSP, FHSA, or non-registered contributions, extra mortgage principal payments (above your minimum), and emergency fund top-ups.

Don't include: minimum debt payments (those are spending). This is money actively building your net worth.
Calculating...
Your key benchmarks
Income, net worth, and where you sit in each distribution.

Estimated Employment Income by Age (Individuals, )
Description
Shows estimated employment income by exact age, including median and percentile ranges, adjusted for the selected province and household/individual view.
Sources
  • Statistics Canada - Canadian Income Survey / tax-filer income tables
  • Statistics Canada - Survey of Employment, Payrolls and Hours (latest wage-growth bridge)
Methods
  • Exact-age values are modeled estimates. Statistics Canada publishes income primarily in age groups rather than for every single age.
  • Published age-group anchors are converted to a smooth single-year curve using monotone interpolation so the chart remains continuous without changing the underlying anchor values.
  • 10th, 25th, 50th, 75th, and 90th percentile series are estimated from published distribution anchors and smoothed consistently across age.
  • Observed wage growth is used to bridge the latest source data toward ; the final dashboard-year value is therefore an estimate, not a directly observed statistic.
  • Individual view estimates one person’s annual employment income. Household view is a modeled combined-income proxy using the dashboard’s 1.85 multiplier, not an observed median household income for each exact age.
  • Income figures are estimates, not published 2027 observations. A 21-year-old’s income cannot be inferred from the household proxy or the 75th/90th percentile lines.
  • Province selections rescale the benchmark using provincial wage ratios.

Loading chart...

Estimated Net Worth by Age (Households, )
Description
Shows estimated household net worth by exact age, including median and percentile ranges, adjusted for the selected province and household/individual view.
Sources
  • Statistics Canada - Survey of Financial Security (2023)
  • Statistics Canada - Census homeownership rates by age
  • Statistics Canada - household balance-sheet / distributional wealth data
Methods
  • Exact-age values are modeled estimates. Statistics Canada publishes wealth in broad age groups, not for every single age.
  • Ages 21-34 are calibrated using the official under-35 SFS median, younger renter/homeowner wealth benchmarks, and age-specific homeownership patterns, then smoothed to provide a unique value for each age.
  • Older ages are anchored to published SFS age groups and interpolated smoothly; retirement ages taper gradually to reflect typical drawdown patterns.
  • The 90th-percentile young-adult transition uses one shape-preserving curve through modeled anchors to avoid a legacy splice creating an artificial peak and dip in the 30s. Exact-age percentile values are modeled, not observed SFS statistics.
  • Province selection rescales the Canadian curve using provincial SFS wealth levels.
  • values are nominal dashboard estimates derived from the latest observed wealth anchors and subsequent household-balance-sheet trends.
  • Individual-view wealth is an equivalized/model-derived estimate because SFS wealth is published at the family/household level.

Loading chart...

Income Distribution (Histogram, )
Description
Shows an estimated smooth distribution of employment income in for the selected province and household/individual view.
Sources
  • Statistics Canada - Canadian Income Survey / tax-filer income distributions
  • Statistics Canada - payroll earnings for the latest wage-growth bridge
Methods
  • The histogram bins are modeled, not published one-by-one. Published percentile and distribution benchmarks are used to calibrate a continuous income distribution.
  • The smooth curve is divided into narrow income ranges so the chart can show the share of households or individuals in each range.
  • The median and percentile markers are calibrated to the same underlying modeled distribution used elsewhere on the dashboard.
  • Province and household/individual selections use the same scaling methodology as the main income chart.

Loading chart...

Net Worth Distribution (Histogram, )
Description
Shows an estimated smooth distribution of net worth in for the selected province and household/individual view.
Sources
  • Statistics Canada - Survey of Financial Security (2023)
  • Statistics Canada - household balance-sheet / distributional wealth data
Methods
  • The histogram bins are modeled, not directly published. The chart uses a smooth right-skewed wealth distribution calibrated to the dashboard's wealth benchmarks.
  • The model allows a modest negative-net-worth tail and a long positive tail. Negative bins use a red gradient; non-negative bins share the age chart’s green percentile palette, from light to dark as net worth increases. A dashed $0 reference line separates negative and non-negative net worth.
  • The displayed median is fixed to the 50th percentile of the same modeled curve used to build the histogram.
  • The visible right tail is capped before the most extreme wealth values so the useful portion of the distribution remains readable.
  • Individual-view wealth remains an equivalized/model-derived estimate because official SFS wealth is household/family based.

Loading chart...
Income & wealth comparisons
Composition, provinces, gender, and financial-asset context.

Median Income Composition by Age (Households, )
Description
Shows how employment income, investment income, pensions, and transfers contribute to estimated total income at each age.
Components
  • Employment: wages, salaries, commissions, and net self-employment income.
  • Investment: reported interest, dividends, and other taxable investment income; it does not represent investment-account balances or unrealized gains.
  • Pension: employer and private pension income plus registered retirement withdrawals such as RRSP/RRIF income.
  • Government transfers: CPP/QPP, OAS/GIS, EI, child and family benefits, social assistance, and other government payments.
Sources
  • Statistics Canada - Canadian Income Survey
  • Statistics Canada - Survey of Household Spending
  • Statistics Canada / CRA - pension and transfer income benchmarks
Methods
  • Single-year component shares are modeled estimates. Published income-source patterns by age are used as calibration points rather than copied as exact annual-age observations.
  • Employment, investment, pension, and transfer shares are smoothed across age to create a continuous lifecycle profile.
  • The four components reconcile to the modeled total income at each age.
  • Total income follows the same province and household/individual scaling used elsewhere on the dashboard.

Loading chart...

Average Wealth Composition by Age (Households, )
Description
Shows a modeled lifecycle breakdown of average real estate, financial assets, employer pension assets, debt, and resulting net position by age.
Components
  • Real estate: gross market value of principal residences and other real estate before subtracting mortgages.
  • Financial assets: cash and deposits, TFSAs, RRSPs/LIRAs, and non-registered investments; employer pension-plan entitlements are shown separately.
  • Employer pensions: estimated present value of workplace defined-benefit and defined-contribution pension entitlements; CPP/QPP and OAS are not included.
  • Debt: mortgages, lines of credit, credit cards, vehicle and student loans, and other outstanding household liabilities. Debt is plotted below zero.
  • Net position: real estate plus financial assets plus employer pensions, minus debt.
Sources
  • Statistics Canada - Survey of Financial Security
  • Statistics Canada - distributional household wealth / balance-sheet data
  • CMHC - mortgage and housing-market statistics
Methods
  • Single-year composition values are modeled estimates. Statistics Canada DHEA/SFS age-group asset and liability patterns are used to calibrate smooth age profiles.
  • Real estate, financial assets, pensions, and debt are smoothed across age; they should be read as representative benchmarks rather than directly observed values for each exact age.
  • Province and household/individual selections use the same scaling framework as the main wealth chart.
  • The white line is the resulting average asset-minus-liability net position. It is not the median net-worth series shown in the main benchmark chart.

Loading chart...

Median Employment Income by Province ()
Description
Shows estimated median employment income by province for , before income tax and excluding non-employment income.
Sources
  • Statistics Canada T1 tax-filer median wages, salaries and commissions (2023)
  • Statistics Canada Survey of Employment, Payrolls and Hours for the wage-growth bridge
  • Statistics Canada Survey of Household Spending, 2023 public-use microdata file (62M0004X; released June 2026) for estimated median spending
Methods
  • Individual provincial values are bridged to 2027 using the dashboard wage-growth assumption.
  • Household values are modeled combined employment income using the dashboard's 1.85 household multiplier. They are not directly published provincial household medians.
  • Whiskers remain modeled distribution ranges rather than directly observed province-specific percentiles.
  • The red marker is estimated median household spending: the survey-weighted median of total current consumption (TC001), calculated separately for each province from the 2023 SHS public-use microdata using household weights (WEIGHTD). All households are included; values are projected to 2027 at 2% per year.
  • This is a dashboard calculation from anonymized microdata, not an official published Statistics Canada median. Current consumption excludes income taxes, pension contributions, personal insurance payments and gifts.
  • Employment income is before tax while spending is after-tax expenditure; the two medians do not describe the same household or a typical budget surplus. The spending marker appears only in Household view and is not a cost-of-living index.

Loading chart...

Estimated Median Net Worth by Province ()
Description
Shows estimated median net worth by province in , with modeled 25th-to-75th-percentile whiskers.
Sources
  • Statistics Canada - Survey of Financial Security (2023 provincial family medians)
  • Statistics Canada - household balance-sheet / distributional wealth data
Methods
  • 2023 SFS provincial medians are the observed anchors and are carried forward with one common 2023-to-2027 wealth bridge.
  • Household view is the primary published SFS basis. Individual view is explicitly an equivalized/model-derived benchmark and is not a published individual SFS median.
  • The percentile whiskers are modeled from national wealth-distribution relationships and should not be read as observed provincial quartiles.

Loading chart...

Income Percentile by Gender ()
Description
Compares modeled women's and men's employment-income curves by age, adjusted for province and household/individual view. Shaded bands show modeled 10th to 90th percentile ranges.
Sources
  • Statistics Canada - employment income by sex
  • Statistics Canada - national income-distribution benchmarks
Methods
  • The current chart is a modeled comparison. The female curve is generated from the male benchmark using the dashboard's national female-to-male income ratio, rather than a separate directly observed value for every single age.
  • The same age smoothing, province scaling, and household/individual methodology as the main income chart is then applied.
  • Percentile bands are modeled and should be interpreted as illustrative distribution ranges, not directly observed single-year-age percentiles.

Loading chart...

Financial Assets by Age (Households, ) - Canada
Description
Shows modeled median financial assets by exact age, split into cash and deposits, TFSAs, RRSPs/LIRAs, and non-registered investments.
Sources
  • Statistics Canada - Survey of Financial Security, Table 11-10-0016-01
  • Statistics Canada - distributional household wealth / balance-sheet data
  • Canada Revenue Agency - TFSA Statistics by age
Methods
  • Values are modeled estimates, not directly observed balances for every single age. The total is calibrated from the dashboard's age-based financial-asset profile and median-to-average wealth relationship.
  • Component shares are modeled from published financial-asset relationships by age and CRA TFSA balance patterns. The components should be read as a representative breakdown, not independently published medians.
  • The white line shows total financial assets. Province and household/individual selections use the same wealth-scaling framework as the other wealth charts.
  • Financial assets include cash and deposits, TFSAs, RRSPs/LIRAs and non-registered investments. They exclude housing, other real estate, vehicles, business equity, and employer pension-plan assets.

Loading chart...
Spending, debt & savings
Housing costs, debt, spending, discretionary income, and savings.

Housing Cost Burden by Age ()
Description
Shows a modeled estimate of housing costs as a share of gross household income by exact age. The shaded band represents an estimated 25th to 75th percentile range.
Sources
  • Statistics Canada - Survey of Household Spending (SHS)
  • CMHC - housing-market and shelter-cost indicators
Methods
  • Single-year values and percentile bands are modeled estimates. SHS age-group shelter-cost benchmarks are converted into a smooth age profile.
  • Shelter costs include rent or mortgage payments, property taxes, condo fees, and utilities as a share of gross household income.
  • The age curve is currently a Canada-wide benchmark. Province-specific adjustments are intentionally not applied because available provincial shelter-spending shares are not the same measure as shelter-cost-to-income ratios.
  • The series is a dashboard estimate, not a directly observed SHS value for every exact age.

Loading chart...

Median Debt Breakdown by Age (Households with Debt, )
Description
Shows a modeled median total-debt benchmark for debt-holding households at each exact age, split into four debt categories.
Components
  • Mortgage / HELOC: mortgages on principal residences and other real estate, plus home-equity lines of credit.
  • Student loans: outstanding government and private education loans.
  • Auto loans: outstanding vehicle financing and lease-related debt.
  • Consumer / credit: credit-card balances, unsecured lines of credit, instalment loans, deferred-payment plans, and other non-mortgage debt.
Sources
  • Statistics Canada - Survey of Financial Security, 2023, Table 11-10-0016-01
  • CMHC - residential mortgage statistics
  • Statistics Canada - household balance-sheet data
Methods
  • Single-year values are modeled estimates. Official 2023 age-group median-to-average total-debt relationships are applied to the dashboard’s smooth exact-age average-debt profile.
  • The category mix follows the published average debt structure because category-specific medians cannot be added together and are often zero when fewer than half of families hold that debt type.
  • The four components reconcile exactly to modeled median total debt at every age.
  • This is the median among households with debt, not the median across all households including those with no debt. The distinction is stated in the title because fewer than half of families aged 65 and older report debt.
  • Mortgage debt is scaled more heavily with provincial housing/wealth conditions; other categories use income-related provincial scaling.
  • The values are estimates carried forward from the latest observed source data.

Loading chart...

Household Estimated Household Spending by Age ()
Description
Shows modeled annual household spending by exact age, calibrated to Statistics Canada average spending by age group, with an estimated 25th to 75th percentile range.
Sources
  • Statistics Canada - Survey of Household Spending (SHS)
  • Statistics Canada - household consumption / price data used for the dashboard-year bridge
Methods
  • Single-year spending values and percentile bands are modeled estimates. Published age-group spending patterns are converted into smooth annual-age benchmarks.
  • Total spending includes shelter, food, transportation, health, recreation, and other personal/household expenditures.
  • Province spending uses observed SHS provincial spending ratios; exact-age values are modeled from national age-group patterns.
  • The values are estimates rather than directly observed SHS figures for every exact age.

Loading chart...

Discretionary Income by Age ()
Description
Shows estimated take-home income remaining after modeled household spending at each age. The shaded band represents an estimated 25th to 75th percentile range.
Sources
  • Statistics Canada - Canadian Income Survey / income benchmarks
  • Statistics Canada - Survey of Household Spending
  • CRA - tax, CPP, and EI parameters used in the take-home estimate
Methods
  • Take-home pay is estimated from gross income using the dashboard's tax, CPP, and EI assumptions.
  • Discretionary income = estimated take-home pay minus modeled total spending.
  • Exact-age values and percentile bands are modeled. Negative values simply mean modeled spending exceeds estimated take-home income; possible real-world causes vary by household.
  • Province values follow the same regional scaling framework used for income and spending.

Loading chart...

Savings Rate by Age ()
Description
Shows a modeled savings-rate benchmark by exact age. Negative values indicate modeled spending or withdrawals exceed new saving. The shaded band represents an estimated 25th to 75th percentile range.
Sources
  • Statistics Canada - Survey of Household Spending
  • Statistics Canada - household saving / balance-sheet data
Methods
  • This is a modeled benchmark, not a directly published median savings rate for every age. Household saving and spending patterns are used to calibrate a smooth lifecycle curve.
  • Savings rate = modeled new savings divided by estimated take-home pay.
  • The dashboard treats registered and non-registered investment contributions and additional principal repayment as saving for this benchmark.
  • The ratio is not separately province-adjusted.

Loading chart...

TFSA Balance by Age (Individuals, ) - Canada
Description
Compares estimated average and median TFSA balances among TFSA holders with the maximum cumulative contributions available at each age.
Sources
  • Canada Revenue Agency - TFSA Statistics, 2024 tax year, Table 3A
  • Statistics Canada - Survey of Financial Security, 2023, Table 11-10-0016-01
  • CRA annual TFSA dollar-limit rules
Methods
  • CRA's observed 2024 average individual balances for five-year age groups are interpolated into a smooth single-year age curve and carried to 2027 using a 5% annual nominal investment-growth assumption.
  • The estimated individual median uses Statistics Canada's age-group median-to-average TFSA relationships to adjust the CRA individual averages.
  • The white dashed line is maximum cumulative contributions based on the annual limits available since the person turned 18. The projected 2027 annual limit is $7,500; the lifetime maximum is $116,500 for someone eligible every year since 2009.
  • Contribution room is not an account-balance ceiling: investment growth can cause a TFSA balance to exceed the white line.
  • Average and median balances describe TFSA holders, not every eligible Canadian.

Loading chart...

Enjoy WealthDashboard.ca? Send me a loonie, toonie, or fiver.

If you find it useful, a small one-time contribution helps support ongoing updates and improvements.

Loonie · $1 Toonie · $2 Fiver · $5 Choose an amount

One-time contribution in CAD. No subscription.

Looking to start investing?

Wealthsimple is a platform I recommend for Canadians who want a straightforward place to start investing. Eligible new clients who use this referral link can receive a $25 bonus, subject to Wealthsimple’s terms.

Learn more at Wealthsimple

Referral disclosure: You may receive a $25 bonus, and I may also receive a referral bonus, if you open an eligible Wealthsimple account using this link. Offer eligibility and terms are set by Wealthsimple.