Do you ever wonder how your net worth compares to other Canadians based on your age group by the Year 2025?
Below you will find a net worth calculator based on age for Canada.
As you would expect, it takes a very different level of wealth to make it into the top 1% depending on your age in 2025. For example, to get into the top 1% in Canada if you are between 25 to 29 takes slightly over $450,000, but, for someone who is between 65 to 69 takes slightly over $10,000,000.
And to make it into the top 0.1% (that’s 1/10th of 1%), or, the top 35,000 of wealth holders in Canada between the ages of 65 to 69 takes slightly over $30,000,000.
The calculator below is based on age. If you want to see where you stand in aggregate, and not based on age, you can visit this page: Net Worth Percentile Calculator for Canada, and this page for the USA, and if you’re looking for the wealth by age calculator for the USA, you can find that here, and lastly, if you want to know how to become rich, you can read this: How to Become a Decamillionaire, Grow your Net Worth to $10 Million, and Join the 1% Club
The net worth calculator by age includes the equity in your primary residence.
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Now that you’ve entered your net worth and age into the calculator, where do you stand in relation to other Canadians?
Are you richer, or poorer than you thought relatively speaking?
And then, the next, and even more challenging question is, how do you make it into the top 1% of wealthiest Canadians?
You can read this blog post and it might help: What Net Worth Makes You Rich? The Average Net Worth to Make it Into the Top 1% and How to Get There
In a quick summary, in order to make it into the top 1%, or to become a decamilliaonaire, you need to first, develop a wealth-creating mindset. You can read this article here: How to Become a Decamillionaire, Grow your Net Worth to $10 Million, and Join the 1% Club
Then, you need to take some calculated, and significant risks that will produce outsized results. For instance, if you’re a business owner generating an annual profit of at least $700,000, and you can live off $100,000 of your business’s profits while saving $500,000 (after taxes) per year, strategically investing those profits at a compounded rate of 15% annually can lead you to reach the top 1% over time.
Here’s another article where I discuss how to make significant returns in real estate: Here’s How To Buy An Apartment Building And Make A Whopping 110% In Three Years
Median Net Worth by Age in Canada
Since the definition of the median is the value at the midpoint, I used the percentile of 50%. The data below is the median, by age, of wealth holders in Canada.
| Age | Median Net Worth Canada by Age |
|---|---|
| Age 25 to 29 | $85,000 - $90,000 |
| Age 30 to 34 | $110,000 - $115,000 |
| Age 35 to 39 | $130,000 - $135,000 |
| Age 40 to 44 | $180,000 - $185,000 |
| Age 45 to 49 | $210,000 - $215,000 |
| Age 50 to 54 | $240,000 - $245,000 |
| Age 55 to 59 | $260,000 - $265,000 |
| Age 60 to 64 | $330,000 - $335,000 |
| Age 65 to 69 | $330,000 - $335,000 |
| Age 70 to 74 | $330,000 - $335,000 |
| Age 75 to 79 | $340,000 - $345,000 |
| Age 80 Plus | $380,000 - $385,000 |
Top 1% of Wealth by Age in Canada
Listed below are the top 1% of net worth by the different age groups in Canada.
The largest wealth by age group is for those in the 50 to 79-year group. Keep in mind, many younger Canadians graduate from college or university with college debt, so it takes time to accumulate wealth post age 20. You reach your peak wealth near the standard retirement age of 65, after which point the wealth slowly declines as the spending exceeds the wealth accumulation into the later retirement years.
| Age | Top 1% of Wealth by Age in Canada |
|---|---|
| Age 25 to 29 | $450,000 - $500,000 |
| Age 30 to 34 | $900,000 - $1,000,000 |
| Age 35 to 39 | $1,800,000 - $2,000,000 |
| Age 40 to 44 | $2,700,000 - $3,000,000 |
| Age 45 to 49 | $4,000,000 - $4,500,000 |
| Age 50 to 54 | $5,500,000 - $6,000,000 |
| Age 55 to 59 | $7,000,000 - $7,500,000 |
| Age 60 to 64 | $8,500,000 - $9,000,000 |
| Age 65 to 69 | $10,000,000 - $11,000,000 |
| Age 70 to 74 | $9,000,000 - $10,000,000 |
| Age 75 to 79 | $7,500,000 - $8,000,000 |
| Age 80 Plus | $6,500,000 - $7,000,000 |
The Wealth Challenge that Canadian Millenials Face
A large contributor to overall individual and family wealth is the value of the home. The older generation, Generation X, and the Baby boomers have taken advantage of the remarkable appreciation of real estate, especially in Canada’s hottest real estate markets, Toronto, and Vancouver.
For instance, back in 1995, the cost of the average Canadian home was $109,000, and the average salary was $32,000, making for a 3.4 salary to home ration.
Fast forward to 2025, and the average home now costs around $750,000, while the average salary has risen to $85,000. This translates to a salary-to-home ratio of approximately 8.8, indicating a considerable increase in the amount of salary required to afford a home. Consequently, younger millennial Canadians may find it increasingly challenging to purchase homes.
However, it’s important to note that home real estate equity represents only a fraction of Canada’s top 1% and top 0.1% overall net worth, consisting of individuals with approximately $10 million and $30 million, respectively. Achieving membership in Canada’s top 0.1% net worth bracket typically demands involvement in a business generating substantial year-on-year profits, with returns exceeding those of the stock market, often surpassing 8%.
To illustrate, accumulating $750,000 annually for 20 years, with a compounded annual return of 15%, would position one within Canada’s top 0.1% net worth bracket.
Results of the calculator explained: If you enter $100,000 for the age of 35 to 39 into the calculator, then you will see the result 44%. What that means is that your net worth is in the 44th percentile, in other words, you are richer than 44% of other Canadians between the ages of 35 to 39.
Net Worth by Age in Canada for Select Ages and Percentiles
The table below is a short synopsis of the much larger table that is used by the calculator. The data file has over 1,000 fields of data, and also includes data for the top 99.95%, and 99.97% of Canada’s wealthiest.
| Percentile | Age 25 to 29 | Age 30 to 34 | Age 65 to 69 | Age 80 Plus |
|---|---|---|---|---|
| 10% | -$40,000.00 | -$25,000.00 | $160,000.00 | $175,000.00 |
| 50% | $85,000.00 | $110,000.00 | $330,000.00 | $380,000.00 |
| 90% | $310,000.00 | $340,000.00 | $4,750,000.00 | $3,300,000.00 |
| 95% | $340,000.00 | $370,000.00 | $6,500,000.00 | $4,150,000.00 |
| 99% | $450,000.00 | $900,000.00 | $10,000,000.00 | $6,000,000.00 |
| 99.90% | $1,700,000.00 | $2,900,000.00 | $28,000,000.00 | $23,000,000.00 |
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