Best Portfolio Tracker for Canadians 2026 — Top 7 Compared
Looking for the best portfolio tracker for a Canadian self-directed investor? This article gives an honest comparison of the 7 most relevant 2026 options — free, paid, aggregators, pure-analysis tools, DIY. We rank against clear criteria (CAD pricing, RRSP/TFSA support, bilingual interface, FIRE, Canadian tax framing) and conclude with use-case picks: best free, best for FIRE, best bilingual, best for rebalancing.
Contents
Methodology
To rank a portfolio tracker as good for Canada in 2026, we evaluate seven equally weighted criteria, each scored out of 5:
- CAD pricing — billing in Canadian dollars (no AUD/USD/EUR exposure) and pricing accessible to a self-directed investor (entry paid plan under $25 CAD/month).
- Canadian account support — native recognition of RRSP, TFSA, FHSA (formerly CELIAPP), DPSP, RRIF, non-registered. A "manual tag" feature counts as half-credit.
- Bilingual EN-CA + FR-CA — interface usable in Quebec-French, not just auto-translated.
- Real-time data — live market quotes (TSX, NYSE/NASDAQ) at least on paid plans, and reasonable 15-min delay on the free plan.
- Useful free tier — a free plan with enough capacity for a small investor (10-15 holdings minimum) and core features.
- Broker integrations — coverage of the main Canadian brokers (Wealthsimple, Questrade, Disnat, IBKR Canada) via API, third-party aggregator, or CSV at minimum.
- Schema.org + transparency — indexable website, structured FAQ, clear privacy policy, documented data residency.
Bias disclosure: WealthWise is the publisher of this list. We did this exercise with a sincere effort at neutral evaluation, but the reader should consider that any ranking published by an interested party carries inherent bias. Where we hesitated between two positions, we ranked higher the product that best serves the average Canadian reader, not the one most convenient for us. Your best validation remains a side-by-side test on your own portfolio.
#1 — WealthWise
#1 WealthWise
Canadian pure-analysis tool for self-directed investors — bilingual, AI, FIRE Tracker, Law 25 compliant.
WealthWise is a Canadian tool launched in 2026, built first for Quebec and Canadian self-directed investors. It focuses on three things: analyzing a portfolio in depth (allocation, dividends, taxes), projecting a FIRE/retirement trajectory with Monte Carlo, and doing it all in Quebec-French and English. Useful free plan, Essential at $9.99 CAD/month, Premium at $19.99 CAD/month, 14-day Premium trial with no credit card.
Strengths
- Useful free plan (1 portfolio, 10 holdings, 3 AI analyses/day)
- 14-day Premium trial, no credit card required, auto-downgrade at day 15
- 100% bilingual interface EN-CA + FR-CA, designed in Quebec
- Native RRSP/TFSA/FHSA/non-registered accounts, separately
- Weighted ACB (Adjusted Cost Base) including commissions and USD-CAD FX
- Built-in Gemini AI analyses (positions, allocation, risk)
- Premium FIRE Tracker: Monte Carlo, safe withdrawal rate, Coast/Lean/Fat FIRE
- Sankey flow diagram, 20-year DRIP simulator
- Data stored in Canada (Supabase ca-central-1, OVHcloud), Law 25 + PIPEDA compliant
- SnapTrade integration for broker auto-sync (rolling out)
Limitations
- Newer tool (launched 2026) — community still being built
- Broker auto-sync rolling out via SnapTrade — CSV/manual otherwise
- Automated T5/T3 tax reports in development
- No multi-client plan for advisors
- International exchange coverage narrower than Sharesight (US/Canada/UK/EU well covered)
Detailed Sharesight vs WealthWise comparison → · Wealthica vs WealthWise →
#2 — Wealthica
#2 Wealthica
Quebec-based wealth aggregator — global view of banks + brokers + real estate.
Wealthica is a Quebec-based platform founded in 2014. Its core value proposition is aggregation: connecting 50+ Canadian financial institutions (RBC, TD, BMO, National Bank, Desjardins, Tangerine, Wealthsimple Trade, Questrade, Disnat, etc.) for a single-pane view. Limited free plan (with ads), Premium (Wealthica Plus) typically around $30 CAD/month depending on offer — verify current pricing.
Strengths
- Excellent coverage of Canadian banks and brokers via third-party aggregation
- Holistic net-worth view (chequing + credit card + broker + real estate)
- Bilingual EN/FR — designed in Quebec since 2014
- Mature mobile app, ecosystem of add-ons (Trading Journal, Crypto, etc.)
- Data stored in Canada — strong Law 25 posture
Limitations
- Premium plan more expensive than pure analysis (typically ~$30/month)
- Free plan has ads and limited features
- Less deep portfolio analysis than specialists (no built-in Monte Carlo FIRE)
- Third-party connections can intermittently fail (dependency on Flinks/Plaid)
- No AI position analysis, no built-in FIRE projection
#3 — Sharesight
#3 Sharesight
Mature Australia/NZ-origin tool — excellent for multi-country portfolios.
Sharesight was founded in 2007 in New Zealand and is now based in Australia. It supports 40+ exchanges worldwide and has a mature community, notably AU/NZ/UK financial advisors. In Canada it works (TSX, NEO) but the experience isn't localized: no native RRSP/TFSA/FHSA recognition, billing in AUD, English-only interface.
Strengths
- Very mature (since 2007) with established advisor ecosystem
- Exceptional multi-country reach (AUS, NZ, US, UK, EU, Asia — 40+ exchanges)
- Deep price history (10+ years backfill)
- Tax reports tuned for ATO (Australia) and HMRC (UK)
- Auto-sync with several international brokers
- Comprehensive dividend and foreign withholding tax tracking
Limitations
- AUD billing — FX exposure, unpredictable long-term cost
- No native RRSP, TFSA, FHSA, DPSP, RRIF support (manual tagging required)
- No French version
- Free plan limited to 10 holdings
- Entry paid plan ~$14 CAD/month, Investor plan ~$28-30 CAD/month (AUD-equivalents)
- No Canadian tax framing (CRA, Revenu Québec)
- No FIRE Tracker, no AI position analysis
#4 — Passiv
#4 Passiv
One-click automatic rebalancing — free for Questrade clients.
Passiv is a Canadian (Ottawa) tool built specifically to automate portfolio rebalancing. It connects to your broker, you set your target allocation, and one click generates buy/sell orders to bring the portfolio back to target. Free for Questrade clients thanks to that broker's partnership. Paid Elite plan (~$10-30 USD/month depending on subscription).
Strengths
- One-click rebalancing — real time saver
- Free for Questrade clients (official partnership)
- Automatic order computation to hit target allocation
- Auto-connect to several Canadian brokers (Questrade, Wealthsimple Trade, IBKR)
- Mature and reliable, Ontario-based team
Limitations
- Single-purpose tool: rebalancing. Limited deep analysis (no Monte Carlo FIRE, no AI)
- Universal paid plan ~$10-30 USD/month (check current pricing)
- Limited coverage — best experience at Questrade, partial elsewhere
- No French version (English-only)
- No Canadian tax analysis (ACB, gains/losses)
- No complete free plan for other brokers
#5 — Snowball Analytics
#5 Snowball Analytics
Global dividend specialist — strong calendars, DRIP projection.
Snowball Analytics is a European-origin tool, popular in the international dividend investing community. It offers visually well-designed dividend calendars, a DRIP simulator (automatic reinvestment), and dashboards centered on passive income. Available in a limited free plan and Premium around $8-15 USD/month (verify current pricing).
Strengths
- Dividend specialist with strong 12-month calendars
- DRIP simulator (automatic dividend reinvestment)
- Multi-country coverage (US, UK, EU, partial Asia)
- Affordable for a 100% dividend growth investing strategy
- Modern, smooth interface
Limitations
- No Canadian tax framing (no eligible vs non-eligible dividend distinction)
- No native RRSP/TFSA/FHSA support
- Billing in USD/EUR — FX exposure
- No French version
- No complete FIRE Tracker, no AI position analysis
- Dividend-focused — less relevant if you run an index strategy (XEQT, VEQT, VFV)
#6 — Yahoo Finance / Google Finance
#6 Yahoo Finance / Google Finance
Free consumer trackers — basic, no Canadian tax framing.
Yahoo Finance and Google Finance both offer a free portfolio tracking tool, with coverage of major global markets (TSX, NYSE, NASDAQ, LSE, etc.). Both are consumer solutions, perfect for a beginner who just wants to see their positions and their evolution without paying. Limitations: no Canadian tax logic, no weighted ACB, no RRSP/TFSA/FHSA separation.
Strengths
- Free, no complex sign-up
- Very broad market coverage (including TSX)
- Near real-time quotes (max 15-min delay)
- Mobile app included
- Built-in macro data and news
Limitations
- No RRSP/TFSA/FHSA logic (single "portfolio")
- No weighted ACB with commissions/FX
- No Canadian tax analysis
- No FIRE/Monte Carlo simulation
- Data stored outside Canada (global Alphabet/Apollo policies)
- Ads and data collection for ad targeting
- Google Finance lost many features in 2018
#7 — Excel / Google Sheets (DIY)
#7 Excel / Google Sheets (DIY)
Infinite flexibility — but requires skills and manual maintenance.
Excel (Microsoft 365) and Google Sheets remain the quintessential do-it-yourself option. With GOOGLEFINANCE (Sheets) or STOCKHISTORY (Excel 365), you can import quotes, compute ACB, gains, allocations, ratios. Entry cost: zero (Sheets) or an existing Microsoft 365 subscription. Limitation: all conceptual work and formula maintenance fall on you.
Strengths
- Free (Sheets) or included (Excel 365)
- Infinite customization — bespoke formulas
- No third-party vendor dependency
- Data stays in your control (personal account)
- Huge community of Reddit / r/PersonalFinanceCanada templates
Limitations
- Manual maintenance (dividends, splits, FX, reverse splits)
- Requires formula skills (VLOOKUP, INDEX/MATCH, ARRAYFORMULA)
- No AI or Monte Carlo (have to code it yourself)
- GOOGLEFINANCE can return intermittent N/A
- No native mobile app for daily tracking
- Risk of undetected formula error for months
Verdict table — 7 tools, 8 criteria
| Criterion | WealthWise | Wealthica | Sharesight | Passiv | Snowball | Yahoo/Google | Excel/Sheets |
|---|---|---|---|---|---|---|---|
| CAD entry pricing | $0–9.99 | $0–30 | ~$14 AUD-eq | $0 (QT) | ~$11 USD-eq | $0 | $0 |
| Native RRSP/TFSA/FHSA | Yes | Partial | Manual tag | Limited | Limited | No | DIY |
| Bilingual EN-FR | Yes | Yes | No | No | No | Partial | DIY |
| Useful free plan | Yes (10 assets) | Yes (limited, ads) | 10 holdings | Yes (Questrade) | Limited | Yes | Yes |
| Real-time data | Yes (paid) | Yes | Yes | Yes | Yes | 15 min | 15 min |
| Canadian broker integrations | SnapTrade (rolling out) | 50+ via aggregator | Partial API | QT, WS, IBKR | Limited | Manual | Manual |
| Monte Carlo FIRE Tracker | Yes | No | No | No | No | No | DIY |
| Canadian data residency | Yes | Yes | No | No | No | No | You |
Legend: "DIY" = roll your own with formulas; "Limited" = present but incomplete; "Partial" = covered but not native.
Pick by use-case
Best free for getting started
WealthWise's free plan (1 portfolio, 10 holdings, limited AI analyses) beats the others for a Canadian beginner, because it natively recognizes RRSP/TFSA and offers a bilingual interface. If you want zero-account testing: Yahoo Finance is faster to try. If you're a Questrade client: Passiv is free for rebalancing.
Best for FIRE / early retirement planning
WealthWise Premium ($19.99 CAD/month) is the only tool in this list with a built-in FIRE Tracker — Monte Carlo simulation, safe withdrawal rate, Coast/Lean/Fat FIRE models, RRSP vs TFSA vs non-registered adjustments. If you don't want to pay, Excel/Sheets with a community template does the job but requires several hours of setup.
Best for Canadian tax (ACB, dividends)
WealthWise computes weighted ACB with commissions and USD-CAD conversion; it distinguishes eligible vs non-eligible dividends. Wealthica gives a holistic wealth view but doesn't compute ACB with as much depth. Sharesight has excellent tax logic but oriented toward ATO/HMRC, not the CRA. Excel + an ACB template also works if you're patient.
Best for rebalancing
Passiv is unbeatable for automatic rebalancing at Questrade — it's its raison d'être. WealthWise offers an AI-assisted Smart Rebalance feature but doesn't execute the trades (you do it at your broker). If you want only one function, Passiv. If you want everything in one tool, WealthWise + Passiv as complement.
Best bilingual (EN-CA + FR-CA)
WealthWise and Wealthica are the only options in this list truly designed in Quebec-French (not just auto-translated). WealthWise has the edge on fine analysis and FIRE; Wealthica has the edge on aggregation. Sharesight, Passiv, Snowball, and Yahoo Finance remain essentially English-only.
Best for complex multi-country portfolios
Sharesight remains the reference if you hold positions across 5+ exchanges (UK, EU, Asia, Australia, Singapore). Its multi-country coverage and foreign tax reports are mature. For a 95% Canadian + US portfolio, it's expensive overkill — WealthWise or Wealthica cover the local need better.
Best for pure DIY / total control
Excel + GOOGLEFINANCE remains unbeatable if you want to code everything yourself, with no vendor dependency. Community templates available on r/PersonalFinanceCanada, RedFlagDeals. Initial effort 4-8 hours, maintenance ~30 min/month. Works if you love spreadsheets and your portfolio is small (10-20 positions).
Final verdict
Our editorial take
For a typical Canadian self-directed investor (RRSP + TFSA + FHSA + non-registered, TSX + NYSE/NASDAQ, index or dividend growth or FIRE strategy), WealthWise is our #1 pick for 2026 on features-to-price-to-localization. With a transparent caveat: we are the publisher of this article, so your best validation is to try it side-by-side yourself (14-day no-card trial).
For wealth aggregation use, Wealthica remains excellent and complementary. For a complex multi-country portfolio, Sharesight justifies its price. For pure rebalancing, Passiv. For DIY freedom, Excel/Sheets. None of these tools is bad — they just target different needs.
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100% Canadian tool, built for your RRSP, TFSA, FHSA accounts. Bilingual EN-FR. Auto-downgrade to Free at day 15.
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What is the best free portfolio tracker in Canada in 2026?
For a Canadian self-directed investor, WealthWise's free plan (1 portfolio, 10 holdings, 3 AI analyses per day) offers the best feature-to-zero-cost ratio, with a bilingual interface and native RRSP/TFSA/FHSA recognition. Yahoo Finance and Google Finance are basic free alternatives but lack Canadian tax logic. Excel/Google Sheets remain the most flexible DIY option if you're willing to do the manual work.
What's the difference between an aggregator (Wealthica) and a pure analysis tool (WealthWise)?
An aggregator connects your bank accounts, credit cards, and brokers to give a holistic view of total net worth. A pure portfolio analysis tool like WealthWise focuses on investment positions: performance, allocation, taxes, FIRE projection. The two are complementary rather than direct competitors — many Canadian users run both side by side.
Does Sharesight work well in Canada?
Sharesight works in Canada and supports the main exchanges (TSX, NEO). However, the tool is built primarily for Australia and New Zealand, so the interface does not natively recognize RRSP, TFSA, or FHSA accounts — you have to tag each portfolio manually. Billing is in AUD, which creates FX exposure.
Which tool has the best FIRE projection?
WealthWise includes a FIRE Tracker (Premium plan) with Monte Carlo simulation, safe withdrawal rate (4% rule), Coast FIRE/Lean FIRE/Fat FIRE modeling, and TFSA/RRSP/non-registered adjustments. The other tools in this list do not include a built-in FIRE simulation — you'd need to pair them with a separate calculator or a spreadsheet.
Which is the most privacy-respecting tool in Canada (Law 25)?
Wealthica (Quebec-based) and WealthWise both store data in Canada (ca-central-1 region). Sharesight, Snowball Analytics, and Passiv store data abroad. Yahoo Finance and Google Finance are governed by global Alphabet and Apollo policies. For a Quebec investor concerned with data residency, the Canadian options are better aligned with Law 25 and PIPEDA.
Can an Excel spreadsheet replace a portfolio tracker?
Yes, technically. Excel and Google Sheets allow you to import quotes via GOOGLEFINANCE, STOCKHISTORY, or third-party APIs, and to compute ACB, gains, and allocations. Entry cost is zero. But maintenance overhead (FX conversion, manual dividends, broken formulas) starts to exceed the price of a dedicated tool once your portfolio passes 15-20 positions or spans multiple accounts (RRSP + TFSA + non-registered).
Which tool offers the best Canadian tax analysis?
WealthWise is built specifically for the Canadian framework: weighted ACB (Adjusted Cost Base) including commissions and USD-CAD conversion, separate RRSP/TFSA/FHSA/non-registered accounts, eligible vs non-eligible dividend treatment (Canadian T5/T3-ready reports in development). Wealthica works for holistic wealth view but does not compute ACB with as much depth. Other tools are designed for foreign tax frameworks.
Is WealthWise a registered financial advisor?
No. WealthWise is a portfolio analysis tool, for informational purposes only. We are not registered as an investment advisor with your provincial securities regulator. No content constitutes personalized financial, tax, or legal advice. For any investment decision, consult a registered professional in your province.
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