{ "terms": { "url": "https://www.bankofcanada.ca/terms/" }, "groupDetail": { "label": "Chart 5: High indebtedness remains a vulnerability, somewhat offset by rising net worth", "description": "Household debt ratios, quarterly data\n\nSource: Statistics Canada", "link": "https://www.bankofcanada.ca/?p=253365" }, "seriesDetail": { "FSR_2026_C5_S1": { "label": "Ratio of debt to disposable income (left scale)", "description": "Ratio of debt to disposable income (left scale)", "dimension": { "key": "d", "name": "Date" } }, "FSR_2026_C5_S2": { "label": "Ratio of debt to net worth (right scale)", "description": "Ratio of debt to net worth (right scale)", "dimension": { "key": "d", "name": "Date" } } }, "observations": [ { "d": "1990-01-01", "FSR_2026_C5_S1": { "v": "89.57" }, "FSR_2026_C5_S2": { "v": "16.81" } }, { "d": "1990-04-01", "FSR_2026_C5_S1": { "v": "93.97" }, "FSR_2026_C5_S2": { "v": "17.46" } }, { "d": "1990-07-01", "FSR_2026_C5_S1": { "v": "92.43" }, "FSR_2026_C5_S2": { "v": "17.58" } }, { "d": "1990-10-01", "FSR_2026_C5_S1": { "v": "92.34" }, "FSR_2026_C5_S2": { "v": "17.56" } }, { "d": "1991-01-01", "FSR_2026_C5_S1": { "v": "92.45" }, "FSR_2026_C5_S2": { "v": "17.15" } }, { "d": "1991-04-01", "FSR_2026_C5_S1": { "v": "95.05" }, "FSR_2026_C5_S2": { "v": "17.33" } }, { "d": "1991-07-01", "FSR_2026_C5_S1": { "v": "94.88" }, "FSR_2026_C5_S2": { "v": "17.47" } }, { "d": "1991-10-01", "FSR_2026_C5_S1": { "v": "95.10" }, "FSR_2026_C5_S2": { "v": "17.30" } }, { "d": "1992-01-01", "FSR_2026_C5_S1": { "v": "96.88" }, "FSR_2026_C5_S2": { "v": "17.02" } }, { "d": "1992-04-01", "FSR_2026_C5_S1": { "v": "96.21" }, "FSR_2026_C5_S2": { "v": "16.99" } }, { "d": "1992-07-01", "FSR_2026_C5_S1": { "v": "94.44" }, "FSR_2026_C5_S2": { "v": "16.93" } }, { "d": "1992-10-01", "FSR_2026_C5_S1": { "v": "97.19" }, "FSR_2026_C5_S2": { "v": "16.95" } }, { "d": "1993-01-01", "FSR_2026_C5_S1": { "v": "97.37" }, "FSR_2026_C5_S2": { "v": "16.67" } }, { "d": "1993-04-01", "FSR_2026_C5_S1": { "v": "95.09" }, "FSR_2026_C5_S2": { "v": "16.61" } }, { "d": "1993-07-01", "FSR_2026_C5_S1": { "v": "98.92" }, "FSR_2026_C5_S2": { "v": "16.46" } }, { "d": "1993-10-01", "FSR_2026_C5_S1": { "v": "100.72" }, "FSR_2026_C5_S2": { "v": "16.29" } }, { "d": "1994-01-01", "FSR_2026_C5_S1": { "v": "100.27" }, "FSR_2026_C5_S2": { "v": "16.10" } }, { "d": "1994-04-01", "FSR_2026_C5_S1": { "v": "99.94" }, "FSR_2026_C5_S2": { "v": "16.24" } }, { "d": "1994-07-01", "FSR_2026_C5_S1": { "v": "101.47" }, "FSR_2026_C5_S2": { "v": "16.16" } }, { "d": "1994-10-01", "FSR_2026_C5_S1": { "v": "102.06" }, "FSR_2026_C5_S2": { "v": "16.36" } }, { "d": "1995-01-01", "FSR_2026_C5_S1": { "v": "102.67" }, "FSR_2026_C5_S2": { "v": "16.26" } }, { "d": "1995-04-01", "FSR_2026_C5_S1": { "v": "102.83" }, "FSR_2026_C5_S2": { "v": "16.27" } }, { "d": "1995-07-01", "FSR_2026_C5_S1": { "v": "104.59" }, "FSR_2026_C5_S2": { "v": "16.40" } }, { "d": "1995-10-01", "FSR_2026_C5_S1": { "v": "104.79" }, "FSR_2026_C5_S2": { "v": "16.30" } }, { "d": "1996-01-01", "FSR_2026_C5_S1": { "v": "105.24" }, "FSR_2026_C5_S2": { "v": "16.08" } }, { "d": "1996-04-01", "FSR_2026_C5_S1": { "v": "106.55" }, "FSR_2026_C5_S2": { "v": "16.13" } }, { "d": "1996-07-01", "FSR_2026_C5_S1": { "v": "107.40" }, "FSR_2026_C5_S2": { "v": "16.07" } }, { "d": "1996-10-01", "FSR_2026_C5_S1": { "v": "107.80" }, "FSR_2026_C5_S2": { "v": "15.88" } }, { "d": "1997-01-01", "FSR_2026_C5_S1": { "v": "108.70" }, "FSR_2026_C5_S2": { "v": "15.93" } }, { "d": "1997-04-01", "FSR_2026_C5_S1": { "v": "109.73" }, "FSR_2026_C5_S2": { "v": "15.82" } }, { "d": "1997-07-01", "FSR_2026_C5_S1": { "v": "108.77" }, "FSR_2026_C5_S2": { "v": "15.85" } }, { "d": "1997-10-01", "FSR_2026_C5_S1": { "v": "109.62" }, "FSR_2026_C5_S2": { "v": "15.94" } }, { "d": "1998-01-01", "FSR_2026_C5_S1": { "v": "111.20" }, "FSR_2026_C5_S2": { "v": "15.84" } }, { "d": "1998-04-01", "FSR_2026_C5_S1": { "v": "112.74" }, "FSR_2026_C5_S2": { "v": "16.09" } }, { "d": "1998-07-01", "FSR_2026_C5_S1": { "v": "111.83" }, "FSR_2026_C5_S2": { "v": "16.93" } }, { "d": "1998-10-01", "FSR_2026_C5_S1": { "v": "111.94" }, "FSR_2026_C5_S2": { "v": "16.60" } }, { "d": "1999-01-01", "FSR_2026_C5_S1": { "v": "112.56" }, "FSR_2026_C5_S2": { "v": "16.92" } }, { "d": "1999-04-01", "FSR_2026_C5_S1": { "v": "112.66" }, "FSR_2026_C5_S2": { "v": "16.95" } }, { "d": "1999-07-01", "FSR_2026_C5_S1": { "v": "112.39" }, "FSR_2026_C5_S2": { "v": "16.94" } }, { "d": "1999-10-01", "FSR_2026_C5_S1": { "v": "112.89" }, "FSR_2026_C5_S2": { "v": "16.47" } }, { "d": "2000-01-01", "FSR_2026_C5_S1": { "v": "114.04" }, "FSR_2026_C5_S2": { "v": "16.31" } }, { "d": "2000-04-01", "FSR_2026_C5_S1": { "v": "113.42" }, "FSR_2026_C5_S2": { "v": "16.20" } }, { "d": "2000-07-01", "FSR_2026_C5_S1": { "v": "112.76" }, "FSR_2026_C5_S2": { "v": "16.36" } }, { "d": "2000-10-01", "FSR_2026_C5_S1": { "v": "112.23" }, "FSR_2026_C5_S2": { "v": "16.95" } }, { "d": "2001-01-01", "FSR_2026_C5_S1": { "v": "109.90" }, "FSR_2026_C5_S2": { "v": "17.26" } }, { "d": "2001-04-01", "FSR_2026_C5_S1": { "v": "113.63" }, "FSR_2026_C5_S2": { "v": "17.39" } }, { "d": "2001-07-01", "FSR_2026_C5_S1": { "v": "112.43" }, "FSR_2026_C5_S2": { "v": "17.99" } }, { "d": "2001-10-01", "FSR_2026_C5_S1": { "v": "113.19" }, "FSR_2026_C5_S2": { "v": "17.65" } }, { "d": "2002-01-01", "FSR_2026_C5_S1": { "v": "113.55" }, "FSR_2026_C5_S2": { "v": "17.44" } }, { "d": "2002-04-01", "FSR_2026_C5_S1": { "v": "115.80" }, "FSR_2026_C5_S2": { "v": "18.15" } }, { "d": "2002-07-01", "FSR_2026_C5_S1": { "v": "115.91" }, "FSR_2026_C5_S2": { "v": "18.71" } }, { "d": "2002-10-01", "FSR_2026_C5_S1": { "v": "117.03" }, "FSR_2026_C5_S2": { "v": "18.69" } }, { "d": "2003-01-01", "FSR_2026_C5_S1": { "v": "116.98" }, "FSR_2026_C5_S2": { "v": "19.00" } }, { "d": "2003-04-01", "FSR_2026_C5_S1": { "v": "119.78" }, "FSR_2026_C5_S2": { "v": "18.89" } }, { "d": "2003-07-01", "FSR_2026_C5_S1": { "v": "122.26" }, "FSR_2026_C5_S2": { "v": "19.09" } }, { "d": "2003-10-01", "FSR_2026_C5_S1": { "v": "123.61" }, "FSR_2026_C5_S2": { "v": "18.84" } }, { "d": "2004-01-01", "FSR_2026_C5_S1": { "v": "124.98" }, "FSR_2026_C5_S2": { "v": "18.71" } }, { "d": "2004-04-01", "FSR_2026_C5_S1": { "v": "125.76" }, "FSR_2026_C5_S2": { "v": "19.11" } }, { "d": "2004-07-01", "FSR_2026_C5_S1": { "v": "127.25" }, "FSR_2026_C5_S2": { "v": "19.50" } }, { "d": "2004-10-01", "FSR_2026_C5_S1": { "v": "130.02" }, "FSR_2026_C5_S2": { "v": "20.01" } }, { "d": "2005-01-01", "FSR_2026_C5_S1": { "v": "134.35" }, "FSR_2026_C5_S2": { "v": "19.74" } }, { "d": "2005-04-01", "FSR_2026_C5_S1": { "v": "134.51" }, "FSR_2026_C5_S2": { "v": "19.74" } }, { "d": "2005-07-01", "FSR_2026_C5_S1": { "v": "136.89" }, "FSR_2026_C5_S2": { "v": "19.77" } }, { "d": "2005-10-01", "FSR_2026_C5_S1": { "v": "137.63" }, "FSR_2026_C5_S2": { "v": "19.94" } }, { "d": "2006-01-01", "FSR_2026_C5_S1": { "v": "137.02" }, "FSR_2026_C5_S2": { "v": "19.39" } }, { "d": "2006-04-01", "FSR_2026_C5_S1": { "v": "139.73" }, "FSR_2026_C5_S2": { "v": "19.66" } }, { "d": "2006-07-01", "FSR_2026_C5_S1": { "v": "139.47" }, "FSR_2026_C5_S2": { "v": "19.91" } }, { "d": "2006-10-01", "FSR_2026_C5_S1": { "v": "140.94" }, "FSR_2026_C5_S2": { "v": "19.81" } }, { "d": "2007-01-01", "FSR_2026_C5_S1": { "v": "142.30" }, "FSR_2026_C5_S2": { "v": "19.63" } }, { "d": "2007-04-01", "FSR_2026_C5_S1": { "v": "147.17" }, "FSR_2026_C5_S2": { "v": "19.91" } }, { "d": "2007-07-01", "FSR_2026_C5_S1": { "v": "150.61" }, "FSR_2026_C5_S2": { "v": "20.38" } }, { "d": "2007-10-01", "FSR_2026_C5_S1": { "v": "152.09" }, "FSR_2026_C5_S2": { "v": "20.84" } }, { "d": "2008-01-01", "FSR_2026_C5_S1": { "v": "152.73" }, "FSR_2026_C5_S2": { "v": "20.81" } }, { "d": "2008-04-01", "FSR_2026_C5_S1": { "v": "153.75" }, "FSR_2026_C5_S2": { "v": "20.71" } }, { "d": "2008-07-01", "FSR_2026_C5_S1": { "v": "154.07" }, "FSR_2026_C5_S2": { "v": "22.33" } }, { "d": "2008-10-01", "FSR_2026_C5_S1": { "v": "156.93" }, "FSR_2026_C5_S2": { "v": "23.32" } }, { "d": "2009-01-01", "FSR_2026_C5_S1": { "v": "160.24" }, "FSR_2026_C5_S2": { "v": "23.83" } }, { "d": "2009-04-01", "FSR_2026_C5_S1": { "v": "162.49" }, "FSR_2026_C5_S2": { "v": "23.12" } }, { "d": "2009-07-01", "FSR_2026_C5_S1": { "v": "162.32" }, "FSR_2026_C5_S2": { "v": "22.77" } }, { "d": "2009-10-01", "FSR_2026_C5_S1": { "v": "163.62" }, "FSR_2026_C5_S2": { "v": "22.90" } }, { "d": "2010-01-01", "FSR_2026_C5_S1": { "v": "161.89" }, "FSR_2026_C5_S2": { "v": "22.60" } }, { "d": "2010-04-01", "FSR_2026_C5_S1": { "v": "166.75" }, "FSR_2026_C5_S2": { "v": "23.12" } }, { "d": "2010-07-01", "FSR_2026_C5_S1": { "v": "166.18" }, "FSR_2026_C5_S2": { "v": "22.68" } }, { "d": "2010-10-01", "FSR_2026_C5_S1": { "v": "165.89" }, "FSR_2026_C5_S2": { "v": "22.38" } }, { "d": "2011-01-01", "FSR_2026_C5_S1": { "v": "167.39" }, "FSR_2026_C5_S2": { "v": "22.08" } }, { "d": "2011-04-01", "FSR_2026_C5_S1": { "v": "169.61" }, "FSR_2026_C5_S2": { "v": "22.30" } }, { "d": "2011-07-01", "FSR_2026_C5_S1": { "v": "170.26" }, "FSR_2026_C5_S2": { "v": "22.85" } }, { "d": "2011-10-01", "FSR_2026_C5_S1": { "v": "168.91" }, "FSR_2026_C5_S2": { "v": "22.59" } }, { "d": "2012-01-01", "FSR_2026_C5_S1": { "v": "169.22" }, "FSR_2026_C5_S2": { "v": "22.07" } }, { "d": "2012-04-01", "FSR_2026_C5_S1": { "v": "170.35" }, "FSR_2026_C5_S2": { "v": "22.17" } }, { "d": "2012-07-01", "FSR_2026_C5_S1": { "v": "170.00" }, "FSR_2026_C5_S2": { "v": "22.05" } }, { "d": "2012-10-01", "FSR_2026_C5_S1": { "v": "170.55" }, "FSR_2026_C5_S2": { "v": "21.87" } }, { "d": "2013-01-01", "FSR_2026_C5_S1": { "v": "168.56" }, "FSR_2026_C5_S2": { "v": "21.44" } }, { "d": "2013-04-01", "FSR_2026_C5_S1": { "v": "169.46" }, "FSR_2026_C5_S2": { "v": "21.70" } }, { "d": "2013-07-01", "FSR_2026_C5_S1": { "v": "170.23" }, "FSR_2026_C5_S2": { "v": "21.68" } }, { "d": "2013-10-01", "FSR_2026_C5_S1": { "v": "170.01" }, "FSR_2026_C5_S2": { "v": "21.23" } }, { "d": "2014-01-01", "FSR_2026_C5_S1": { "v": "170.65" }, "FSR_2026_C5_S2": { "v": "20.69" } }, { "d": "2014-04-01", "FSR_2026_C5_S1": { "v": "171.54" }, "FSR_2026_C5_S2": { "v": "20.48" } }, { "d": "2014-07-01", "FSR_2026_C5_S1": { "v": "170.86" }, "FSR_2026_C5_S2": { "v": "20.61" } }, { "d": "2014-10-01", "FSR_2026_C5_S1": { "v": "172.32" }, "FSR_2026_C5_S2": { "v": "20.53" } }, { "d": "2015-01-01", "FSR_2026_C5_S1": { "v": "170.77" }, "FSR_2026_C5_S2": { "v": "20.01" } }, { "d": "2015-04-01", "FSR_2026_C5_S1": { "v": "171.84" }, "FSR_2026_C5_S2": { "v": "20.33" } }, { "d": "2015-07-01", "FSR_2026_C5_S1": { "v": "172.92" }, "FSR_2026_C5_S2": { "v": "20.75" } }, { "d": "2015-10-01", "FSR_2026_C5_S1": { "v": "175.08" }, "FSR_2026_C5_S2": { "v": "20.48" } }, { "d": "2016-01-01", "FSR_2026_C5_S1": { "v": "182.27" }, "FSR_2026_C5_S2": { "v": "20.37" } }, { "d": "2016-04-01", "FSR_2026_C5_S1": { "v": "181.77" }, "FSR_2026_C5_S2": { "v": "20.21" } }, { "d": "2016-07-01", "FSR_2026_C5_S1": { "v": "181.95" }, "FSR_2026_C5_S2": { "v": "20.00" } }, { "d": "2016-10-01", "FSR_2026_C5_S1": { "v": "182.33" }, "FSR_2026_C5_S2": { "v": "19.96" } }, { "d": "2017-01-01", "FSR_2026_C5_S1": { "v": "184.55" }, "FSR_2026_C5_S2": { "v": "19.38" } }, { "d": "2017-04-01", "FSR_2026_C5_S1": { "v": "183.83" }, "FSR_2026_C5_S2": { "v": "19.69" } }, { "d": "2017-07-01", "FSR_2026_C5_S1": { "v": "181.95" }, "FSR_2026_C5_S2": { "v": "19.90" } }, { "d": "2017-10-01", "FSR_2026_C5_S1": { "v": "182.07" }, "FSR_2026_C5_S2": { "v": "19.75" } }, { "d": "2018-01-01", "FSR_2026_C5_S1": { "v": "184.21" }, "FSR_2026_C5_S2": { "v": "19.56" } }, { "d": "2018-04-01", "FSR_2026_C5_S1": { "v": "185.87" }, "FSR_2026_C5_S2": { "v": "19.75" } }, { "d": "2018-07-01", "FSR_2026_C5_S1": { "v": "186.72" }, "FSR_2026_C5_S2": { "v": "19.95" } }, { "d": "2018-10-01", "FSR_2026_C5_S1": { "v": "185.26" }, "FSR_2026_C5_S2": { "v": "20.39" } }, { "d": "2019-01-01", "FSR_2026_C5_S1": { "v": "185.87" }, "FSR_2026_C5_S2": { "v": "19.81" } }, { "d": "2019-04-01", "FSR_2026_C5_S1": { "v": "184.13" }, "FSR_2026_C5_S2": { "v": "19.66" } }, { "d": "2019-07-01", "FSR_2026_C5_S1": { "v": "184.00" }, "FSR_2026_C5_S2": { "v": "19.63" } }, { "d": "2019-10-01", "FSR_2026_C5_S1": { "v": "182.90" }, "FSR_2026_C5_S2": { "v": "19.43" } }, { "d": "2020-01-01", "FSR_2026_C5_S1": { "v": "182.39" }, "FSR_2026_C5_S2": { "v": "19.99" } }, { "d": "2020-04-01", "FSR_2026_C5_S1": { "v": "166.23" }, "FSR_2026_C5_S2": { "v": "19.04" } }, { "d": "2020-07-01", "FSR_2026_C5_S1": { "v": "175.87" }, "FSR_2026_C5_S2": { "v": "18.65" } }, { "d": "2020-10-01", "FSR_2026_C5_S1": { "v": "180.16" }, "FSR_2026_C5_S2": { "v": "17.85" } }, { "d": "2021-01-01", "FSR_2026_C5_S1": { "v": "175.84" }, "FSR_2026_C5_S2": { "v": "16.88" } }, { "d": "2021-04-01", "FSR_2026_C5_S1": { "v": "180.66" }, "FSR_2026_C5_S2": { "v": "16.92" } }, { "d": "2021-07-01", "FSR_2026_C5_S1": { "v": "182.68" }, "FSR_2026_C5_S2": { "v": "16.81" } }, { "d": "2021-10-01", "FSR_2026_C5_S1": { "v": "187.85" }, "FSR_2026_C5_S2": { "v": "16.17" } }, { "d": "2022-01-01", "FSR_2026_C5_S1": { "v": "186.83" }, "FSR_2026_C5_S2": { "v": "16.26" } }, { "d": "2022-04-01", "FSR_2026_C5_S1": { "v": "187.68" }, "FSR_2026_C5_S2": { "v": "17.92" } }, { "d": "2022-07-01", "FSR_2026_C5_S1": { "v": "188.22" }, "FSR_2026_C5_S2": { "v": "18.61" } }, { "d": "2022-10-01", "FSR_2026_C5_S1": { "v": "183.86" }, "FSR_2026_C5_S2": { "v": "18.55" } }, { "d": "2023-01-01", "FSR_2026_C5_S1": { "v": "186.13" }, "FSR_2026_C5_S2": { "v": "17.75" } }, { "d": "2023-04-01", "FSR_2026_C5_S1": { "v": "183.81" }, "FSR_2026_C5_S2": { "v": "17.71" } }, { "d": "2023-07-01", "FSR_2026_C5_S1": { "v": "180.69" }, "FSR_2026_C5_S2": { "v": "18.28" } }, { "d": "2023-10-01", "FSR_2026_C5_S1": { "v": "179.93" }, "FSR_2026_C5_S2": { "v": "18.15" } }, { "d": "2024-01-01", "FSR_2026_C5_S1": { "v": "179.66" }, "FSR_2026_C5_S2": { "v": "17.49" } }, { "d": "2024-04-01", "FSR_2026_C5_S1": { "v": "176.77" }, "FSR_2026_C5_S2": { "v": "17.62" } }, { "d": "2024-07-01", "FSR_2026_C5_S1": { "v": "174.13" }, "FSR_2026_C5_S2": { "v": "17.59" } }, { "d": "2024-10-01", "FSR_2026_C5_S1": { "v": "174.78" }, "FSR_2026_C5_S2": { "v": "17.59" } }, { "d": "2025-01-01", "FSR_2026_C5_S1": { "v": "175.03" }, "FSR_2026_C5_S2": { "v": "17.48" } }, { "d": "2025-04-01", "FSR_2026_C5_S1": { "v": "176.16" }, "FSR_2026_C5_S2": { "v": "17.54" } }, { "d": "2025-07-01", "FSR_2026_C5_S1": { "v": "176.28" }, "FSR_2026_C5_S2": { "v": "17.40" } }, { "d": "2025-10-01", "FSR_2026_C5_S1": { "v": "177.18" }, "FSR_2026_C5_S2": { "v": "17.36" } } ] }