💼 PAYROLL & INCOME · UPDATED 2026

Net Worth Calculator

Calculate your total net worth and see how you compare to Canadian averages by age group — based on Statistics Canada data. Assets minus liabilities, broken down clearly.

💰 Enter Your Assets & Liabilities

✅ Assets (What You Own) $0

🏠 Real Estate

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$
Real Estate Subtotal$0

📈 Registered Investments

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$
$
$
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Registered Subtotal$0

💵 Cash & Non-Registered

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Cash Subtotal$0

🚗 Personal Assets

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$
Personal Subtotal$0
Total Assets $0
🔴 Liabilities (What You Owe) $0

🏠 Real Estate Debt

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Real Estate Debt Subtotal$0

🚗 Vehicle & Personal Debt

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Vehicle & Personal Subtotal$0

💳 Consumer Debt

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Consumer Debt Subtotal$0
Total Liabilities $0
💰 Your Net Worth
$0
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Total Assets
$0
Total Liabilities
$0
Debt-to-Asset Ratio
0%
Canadian Median Age Group
$0
Total Assets
$0
Everything you own
Total Liabilities
$0
Everything you owe
Net Worth
$0
Assets minus liabilities
Debt-to-Asset Ratio
0%
Lower = healthier
Net Worth-to-Income
0×
Rule of thumb: age ÷ 10 × income
Liquid Net Worth
$0
Excl. real estate & vehicles

✅ Asset Breakdown

🔴 Liability Breakdown

🍁 How You Compare to Canadians Your Age

Based on Statistics Canada Survey of Financial Security data (inflation-adjusted to 2026). Median values shown — half of Canadians in each age group have more, half have less.

* Median net worth by age group. Source: Statistics Canada Survey of Financial Security, adjusted for 2026. Note: Canadian net worth is heavily influenced by real estate values.

🎯 Your Net Worth Target by Age

The commonly used rule of thumb: your net worth should equal your age divided by 10, multiplied by your annual income. This is a guideline, not a rule.

💡 Net Worth Tips for Canadians

📅 Track It Annually

Calculate your net worth on the same date every year — January 1 is popular. Tracking the trend matters more than the number. Even small consistent growth compounds dramatically over decades.

🏠 Don't Count on Your Home

Your primary residence is an asset, but it's illiquid. You still need to live somewhere if you sell. Focus on growing your liquid net worth (investments, savings) alongside your home equity.

💰 Maximize Registered Accounts

TFSA and RRSP are the most tax-efficient ways to grow net worth in Canada. Prioritize maxing these before non-registered investing — the tax savings compound just as powerfully as the returns.

📉 Reduce High-Interest Debt First

Credit card debt at 19.99% is destroying your net worth faster than almost any investment can grow it. Paying off $10,000 of credit card debt is a guaranteed 19.99% return — better than any fund.