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Play Free →What Does Your Wealth Percentile Mean?
A wealth percentile tells you how your net worth compares to everyone else in your age group. If you're at the 60th percentile, you have more net worth than 60% of people your age — and less than 40%.
It's a more meaningful number than comparing yourself to the median population, because wealth accumulation is strongly time-dependent. A 25-year-old with $80,000 is doing exceptionally well; a 55-year-old with the same amount faces a very different retirement outlook.
Net Worth vs. Income
Many people confuse high income with high wealth — they're not the same. Net worth is what you've kept, not what you've earned. A household earning $200k/year but spending $195k builds less wealth than one earning $80k and saving aggressively. The gap compounds over decades.
Canadian vs. American Wealth Data
Canadian median household net worth tends to be higher than American counterparts when adjusted for real estate exposure, partly due to concentrated wealth in Metro Vancouver and the Greater Toronto Area. However, American top-decile wealth is significantly higher, driven by concentrated equity markets and tech sector gains. Both datasets are sourced from national survey data (Statistics Canada SFS and US Federal Reserve SCF).
How to Improve Your Percentile
The biggest levers are savings rate (how much you keep), investment returns (how your money grows), and time (how long it compounds). At the 25th to 50th percentile, the gap is usually a savings rate problem. At the 50th to 75th, it's often an investment allocation problem. At the 75th and above, tax efficiency and asset allocation drive the gap.
Related Free Tools
Now that you know where you stand, put your wealth to work with these calculators.
Data Sources & Methodology
Canadian data is derived from Statistics Canada's Survey of Financial Security (SFS), most recently published for 2019. US data is from the Federal Reserve's Survey of Consumer Finances (SCF), most recently 2022. Both surveys are conducted every 3–4 years and represent household-level data.
Net worth percentile brackets on this page are approximations based on published decile and quintile data, interpolated to provide finer resolution. They represent household net worth, not individual. If you're single, your comparison is most accurate. Couples should note that household data reflects combined assets and liabilities.
Wealth data changes between survey cycles and this tool does not reflect real-time market fluctuations. Treat results as directional guidance, not precise rankings.