A clear look under the hood.

The source

Canadian results use the Statistics Canada Survey of Financial Security (SFS), 2023, through its Public Use Microdata File (PUMF). The file contains 16,241 family-unit records. Net worth is assets minus debts, and all Canadian amounts stay in Canadian dollars; they are never converted to U.S. dollars.

Who is compared

The SFS survey unit is the family unit: economic families plus persons not in an economic family, such as people living alone or with non-relatives. Each family unit is grouped by the age of its major income recipient (variable PAGEMIEG). Your result is compared with Canadian families whose major income recipient is in your age group, not with individuals of exactly your age.

• Under 35 (PAGEMIEG 1 + 2)
• 35–44 (PAGEMIEG 3)
• 45–54 (PAGEMIEG 4)
• 55–64 (PAGEMIEG 5)
• 65+ (PAGEMIEG 6 + 7)

Net worth definition

We use PWNETWPT: family-unit net worth with employer pension plans valued on a termination basis. We do not use PWNETWPG, the alternative going-concern valuation.

How the thresholds are made

Within each age group, records are sorted by PWNETWPT from lowest to highest and the survey weight PWEIGHT is accumulated. Each percentile threshold is the first net-worth value at which the cumulative weight reaches that percentage of the group's total weight. Thresholds are calculated from P1 through P95. Your inflation-adjusted net worth is placed between neighbouring thresholds and rounded to a whole percentile.

Why Canada stops at Top 5%

The public-use file does not support sufficiently reliable estimates of very high wealth to justify finer rankings, so no thresholds are produced above P95. Any result at or above the P95 threshold is shown as Top 5%. Canadian results never show Top 1% or any position from P96 to P99. Results below the P1 threshold are shown as Bottom 1%.

Inflation adjustment

The SFS thresholds are in 2023 dollars. We convert the current Canadian-dollar amount you enter into 2023 dollars by multiplying it by the 2023 annual average CPI (157.1) divided by the August 2026 CPI (169.8). We use the all-items Consumer Price Index for Canada, not seasonally adjusted, from Statistics Canada Table 18-10-0004-01. This Canadian CPI is configured separately from the U.S. CPI.

Employer pensions

SFS net worth includes the value of employer pension plans. For the closest comparison, include the current or commuted value of an employer pension in the retirement accounts and pension field if you know it. If you have an employer pension but leave it out, your Canadian ranking may appear lower than it would be. STACKR does not estimate pension values.

Coverage

The SFS covers people living in Canada's 10 provinces. Populations outside the survey coverage, including residents of the territories, people living in collective dwellings, and certain Indigenous communities, are not represented in the comparison.

Public-use file versus published estimates

The public-use file is perturbed to protect confidentiality, so medians calculated from it differ slightly from Statistics Canada's published production estimates. STACKR uses the thresholds calculated from the public-use file and does not substitute the published medians.

Score and recommendations

Financial Position Score v1.0 and its score-based recommendations are not calculated for Canadian results. Canadian users receive a Wealth Rank and financial snapshot. The score will only be extended to other countries after an international methodology is separately reviewed.

The source

Australian results use the Australian Bureau of Statistics (ABS) Survey of Income and Housing (SIH) 2019–20, published in Household Income and Wealth, Australia. The benchmark is Table 10.2, Household assets and liabilities, by age of reference person. Household net worth is the value of household assets minus the value of household liabilities, in Australian dollars. Amounts are never converted to U.S. dollars.

Who is compared

The comparison unit is the household. Each household is classified by the age of its reference person, whom the ABS selects by applying ordered criteria that include tenure, household and family status, income and age. Your result is compared with Australian households whose reference person is in your age group, not with individual Australians of exactly your age.

Official age groups

STACKR uses the ABS age bands unchanged: 15–24, 25–34, 35–44, 45–54, 55–64, 65–74 and 75+. STACKR accepts adults only, so users aged 18 to 24 are compared with the official 15–24 band. The band is not relabelled 18–24, because that would change the ABS category.

What net worth includes

ABS household net worth includes assets such as bank deposits, shares, superannuation account balances, property, vehicles, household contents, business interests and other financial and non-financial assets, less liabilities such as mortgages, property and investment loans, credit-card debt, vehicle and personal loans, study loans and other liabilities. STACKR's calculator formula is unchanged; Australian field guidance simply makes your entries more comparable.

Superannuation

Superannuation account balances are part of ABS net worth. For the closest comparison, include your superannuation balance and other retirement assets you own in the superannuation and retirement accounts field. STACKR does not estimate superannuation for you, and leaving it out may make your result appear lower.

A median benchmark, not a percentile

The ABS publishes the median household net worth for each age group. STACKR compares your inflation-adjusted net worth with that single median and reports whether it is above, below or around the median. “Around the median” means within 5% of the median in either direction, boundaries included. A median alone cannot show where else in the distribution a household sits, so STACKR does not infer or estimate percentiles for Australia: Australian results never show a percentile, a Top X% position or a Financial Position Score.

Inflation adjustment

The published medians are in 2019–20 dollars, measured against the ABS Consumer Price Index, All groups, weighted average of eight capital cities, on its previous reference series, where the 2019–20 financial-year index is 115.7. The ABS re-referenced the CPI in 2025, and the new series uses September 2025 = 100. Quarterly and monthly observations are not interchangeable: the month of September 2025 is 100.0 on the new series, while the September quarter 2025 was 143.6 on the previous basis and 99.73 after re-referencing. STACKR puts the source-period index on the new reference basis with the ABS's published conversion factor of approximately 0.6945: 115.7 × 0.6945 = 80.35365. The July 2026 monthly index is 103.07 on the new basis, so the current Australian dollars you enter are multiplied by 80.35365 / 103.07 ≈ 0.7796026972 before comparison. The inflation-adjusted benchmarks shown in results and below are STACKR's own adjustment of the published medians; the ABS does not publish them.

Coverage

The 2019–20 SIH collected information from 15,011 households in private dwellings throughout Australia, excluding very remote areas.

Sampling and confidentiality

The medians are survey estimates and are subject to sampling error. The 15–24 median has higher sampling uncertainty than the older age bands. Published ABS estimates may also be perturbed to protect confidentiality, so small differences should not be over-interpreted.

Score and recommendations

Financial Position Score v1.0 and its score-based recommendations are not calculated for Australian results. Australian users receive an age benchmark and financial snapshot.

The source

German results use the Deutsche Bundesbank Panel on Household Finances (PHF) 2023. The benchmark is the median household net wealth in Table 2 of the published table appendix, Gross and net wealth and debt, in total and by household characteristics. Amounts stay in euros and are never converted to U.S. dollars.

Who is compared

The comparison unit is the household. Households are grouped by the age of the household reference person, whom the PHF defines as the person with the highest income in the household; if several members have equally high income, one of them is selected at random. Your result is compared with German households whose reference person is in your age group, not with individual Germans of exactly your age.

Official age groups

STACKR uses the Bundesbank age groups unchanged: 16–24, 25–34, 35–44, 45–54, 55–64, 65–74 and 75+. STACKR accepts adults only, so users aged 18 to 24 are compared with the official 16–24 group. The group is not relabelled 18–24, because that would change the Bundesbank category.

What net wealth includes

PHF net wealth is gross real and financial wealth minus debt. Assets include real estate, business ownership, vehicles, collections and valuables, bank balances, securities, managed assets, private pension assets and life-insurance assets.

Private and statutory pensions

Private pension and life-insurance assets are included, also when a contract is in its accumulation phase or contributions are suspended. Future statutory pension entitlements are not included. For the closest comparison, enter private pension and life-insurance assets that currently have an account or cash value, and leave out expected future statutory pension benefits. STACKR does not calculate statutory pension wealth.

A median benchmark, not a percentile

The Bundesbank publishes the median household net wealth for each age group. STACKR compares your inflation-adjusted net worth with that single median and reports whether it is above, below or around the median. “Around the median” means within 5% of the median in either direction, boundaries included. A median alone cannot show where else in the distribution a household sits, so STACKR does not infer or estimate percentiles for Germany: German results never show a percentile, a Top X% position or a Financial Position Score.

Inflation adjustment

The published medians are in 2023 euros. STACKR uses the overall Consumer Price Index for Germany published by the Federal Statistical Office (Destatis), 2020 = 100. The 2023 annual average is 116.7 and August 2026 is 125.8, so the current euros you enter are multiplied by 116.7 / 125.8 = 0.927663 before comparison. STACKR does not use the euro-area HICP. The inflation-adjusted benchmarks shown in results and below are STACKR's own adjustment of the published medians; neither the Bundesbank nor Destatis publishes them.

Sampling

The medians are survey estimates and are subject to sampling error, so small differences from the median should not be over-interpreted.

Score and recommendations

Financial Position Score v1.0 and its score-based recommendations are not calculated for German results. German users receive an age benchmark and financial snapshot.