CA Income Dataset
Dataset: Canada employment income percentile points by age group
Publisher: Statistics Canada
Reference year: 2023
Definition scope: individual, pre-tax basis
Money Checkup
Quick tools to compare your income percentile and net worth percentile, plus simple progress checks for financial independence.
Income Percentile (Canada / US)
Enter values and click calculate.
Net Worth Percentile (Canada / US)
Enter values and click calculate.
Wealth Benchmark (UAW / AAW / PAW)
UAW = Under Accumulator of Wealth, AAW = Average Accumulator of Wealth, PAW = Prodigious Accumulator of Wealth.
-
Expected net worth: -
Your net worth: -
Ratio: -
Explain this in plain language
This compares your current net worth with a rule-of-thumb expected net worth from age and income. It is for learning, not a pass/fail judgment.
FI Progress (25x Rule)
FI means Financial Independence. SWR means Safe Withdrawal Rate, often shown as 4% for rough planning.
Status: -
FI target number: -
Distance to FI: -
Progress: -
Wealth Runway Score
A simple score using savings rate + how many months your net worth could cover spending.
Runway score: -
Savings rate: -
Runway years: -
Status: -
| Runway (years) | Wealth Runway Score | Meaning |
|---|---|---|
| < 1 | 10 | Highly fragile |
| 1-3 | 30 | Job-dependent |
| 3-7 | 50 | Stable buffer |
| 7-15 | 70 | Strong optionality |
| 15-30 | 85 | Semi-independent |
| 30+ | 100 | Financial independence |
Purpose and When to Use
- Use this page to benchmark income and net worth against age-based public percentile datasets.
- Use this to build context for planning, not to rank personal value or make all-or-nothing decisions.
Inputs Explained
- Country and age range: Select the dataset context that best matches your situation.
- Annual income: Pre-tax income value for percentile comparison in selected dataset terms.
- Net worth: Assets minus liabilities for percentile and progress tools.
- FI and runway inputs: Spending, income, and net worth for simple planning ratios.
Definition Notes
- Income percentile uses dataset-specific definitions that may be individual or household depending on source.
- Income values on this page are treated as pre-tax unless a source explicitly states otherwise.
- Net worth means total assets minus total liabilities.
- Always check the source card details below before comparing countries directly.
Methodology
- Percentile tools use curated percentile points by age group from public datasets.
- If your value falls between two points, we linearly interpolate to estimate percentile.
- Definitions differ across sources: some datasets are individual income, others household metrics.
- Survey timing, sample design, and revisions can affect final estimates.
Assumptions and Limitations
- Percentile datasets are snapshots from specific years and may lag current conditions.
- Definitions differ by source, for example individual income versus household income.
- Country, household, and tax context can materially change interpretation.
- These outputs are educational references and should not be treated as financial advice.
Worked Example
Example: Select Canada, age 35-44, annual income 90,000. The tool maps your value between published points to estimate percentile.
If net worth is 250,000, compare the net worth percentile and FI progress together for a broader picture.
Related Reading
Author: SimpleReturns Team
Last updated: 2026-02-22
Sources and Update Log
US Income Dataset
Dataset: US income percentile points by age group
Publisher: Federal Reserve (SCF-aligned summary extraction)
Reference year: 2022
Definition scope: household, pre-tax basis
CA Net Worth Dataset
Dataset: Canada net worth percentile points by age group
Publisher: Statistics Canada (curated extraction)
Reference year: 2023
Definition scope: household, assets minus liabilities
US Net Worth Dataset
Dataset: US net worth percentile points by age group
Publisher: Federal Reserve SCF (curated extraction)
Reference year: 2022
Definition scope: household, assets minus liabilities
Update log
- 2026-02-13: Initial publication of Money Checkup with source references and methodology notes.
FAQ
Why are results approximate?
We interpolate between published percentile points rather than using full raw microdata.
Do these tools work for beginners?
Yes. Each tool has plain-language explanations and examples.
What is FI?
Financial Independence means your assets can support your spending without active work income.
What is SWR?
Safe Withdrawal Rate is a rule-of-thumb yearly withdrawal percentage, often around 4%.