WealthWise is the portfolio analysis tool designed for Canadians: separate RRSP/TFSA/non-registered tracking, projected dividends, FIRE projection, AI analysis — without a mandatory subscription.
Free up to 10 assets · No credit card required · Canadian data
Most Canadians use 2 to 4 brokers in parallel: Wealthsimple for the TFSA, Questrade or Disnat for the RRSP, RBC Direct Investing for the joint account, plus maybe a bit of Robinhood or Webull on the side. The result: it's impossible to have a global view of your wealth, let alone compare your performance to the S&P 500 or TSX.
A good portfolio tracker gives you:
All your accounts (RRSP, TFSA, non-registered, FHSA, RESP) on a single screen. Total net worth calculation, allocation by asset class, sector exposure.
Time-Weighted and Money-Weighted Returns — not just "current value − contributions". These metrics separate your investor performance from contribution timing.
How much dividend income next quarter, by holding. Ex-dividend calendar. DRIP (Dividend Reinvestment Plan) tracking with fractional shares.
Target capital (25× rule), Monte Carlo simulation, compound growth curve. How many years until financial independence at your current rate?
We honestly compared the main options available to Canadians. Here's what stands out:
| Tool | Price | Canada-native | Separate RRSP/TFSA | AI analysis | FIRE Tracker | Free tier |
|---|---|---|---|---|---|---|
| WealthWise | Free / $9.99 / $19.99 | ✅ Yes (FR+EN) | ✅ Yes | ✅ Gemini 2.5 | ✅ Premium | 10 assets |
| Sharesight | $20–49 USD/mo | ❌ Australian, EN only | ⚠️ Generic accounts | ❌ No | ❌ No | 10 assets, 1 portfolio |
| Wealthica | Free / $5/mo Premium | ✅ Yes | ⚠️ Limited | ❌ No | ❌ No | All accounts but light analysis |
| Stockchase Premium | $14.95/mo | ✅ Yes | ❌ Not a tracker | ❌ No (signals) | ❌ No | N/A — analyst signals |
| Wealthsimple (broker) | Free | ✅ Yes | ✅ Yes (internal) | ❌ No | ❌ No | WS accounts only |
| Homemade Excel | Free | Variable | Manual | ❌ No | Manual | No limit but no automation |
Bilingual FR/EN interface, data stored in Canada (Supabase ca-central-1, Law 25 compliant), TSX and NEO supported, TFSA/RRSP/FHSA tracking with actual 2026 limits.
HARFANG (our AI, powered by Google Gemini 2.5) analyzes your allocation, concentration, beta, sector diversification. No other Canadian tracker does this.
Ex-dividend calendar, yield on cost, DRIP simulator, 12-month projection. Particularly useful for Canadian dividend investors (banks, pipelines, utilities).
Lean/Regular/Fat FIRE target capital, years to independence, 1,000-scenario Monte Carlo simulation, compound growth curve. Premium tier only.
Free forever for 1 portfolio × 10 assets. Essential at $9.99/mo (3 portfolios, 30 AI analyses). Premium at $19.99/mo (unlimited). Cheaper than Sharesight, more complete than Wealthica.
Your data stays in Canada (Law 25 + PIPEDA). No data resale, no third-party ad tracking. JWT + end-to-end TLS encryption.
Marc has a TFSA at Wealthsimple ($35k), an RRSP at Questrade ($52k), and a non-registered account at Disnat ($12k). Before WealthWise:
With WealthWise: 10 minutes to enter his positions (Quick Add mode), then everything is consolidated. Marc discovers he's overexposed to Canadian banks at 38% and that he beat the S&P 500 by 2.3% this year. Decision: rebalance 5% toward a global tech ETF.
Free signup, no credit card, no commitment. Canadian data, FR+EN support.