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Why Younger Canadians Feel Poorer — Even as Incomes Rise?
Because their earnings have less power to buy assets like homes.
Reported by WOWA Data Labs
Median Disposable Income of Canadians (1990–2023):
📈 Adjusted by CPI: Income has increased
📉 Measured in gold or share of a home: Income has decreased
Many assume that money’s depreciation is fully captured by CPI — but it’s far more complex.
CPI reflects the cost of consumer goods, not assets. When income is measured against asset prices, the real devaluation of money becomes clear.
In simple terms, younger generations may afford more consumer goods like milk or meat, but they have far less purchasing power when it comes to assets — the foundation of social status and financial security against future turbulence.
Median After-Tax Annual Income of Individuals in C$
Median Annual After-Tax Income, Measured in Grams of Gold*
Median After-Tax Income as a % of a Typical** Canadian Home
Notes: * Annualized gold prices used for calculation
**Benchmark prices, representing the value of a typical home in each year, are used for the calculation
Explore our collection of financial and real estate infographics here: Finance and Real Estate Infographics Canada
🔥 If you think inflation is “just 2%,” you’re missing the real story.
Most Canadians believe headline inflation (CPI) tells the whole truth about money devaluation. It doesn’t. CPI captures consumer goods prices, but it leaves out the biggest driver of lost purchasing power:asset inflation.
📊 Over the past 20 years in Canada:
- Avg. annual headline inflation (CPI): 2.2%
- Avg. annual money supply (M2) growth rate: 7.3%
- Avg. annual real money devaluation ≈ 5.3% (M2 growth rate – real GDP growth rate)
👉 Translation: While “official” inflation looks modest, the real erosion of your money is far greater — and it shows up in soaring home prices, equities, and other assets.
📹 Our CEO, Hanif Bayat, PhD, breaks down this concept in this 1-min video:
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Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
- The calculators and content on this page are for general information only. WOWA does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.