The best net worth tracker in Canada depends on what you are trying to track. Fortunave is the best free option to try first if you want a Canadian manual tracker for accounts, balances, assets, debts, net worth, budget, investments, and scenarios. Wealthica is the strongest starting point for Canadians who want investment-account aggregation and a net worth dashboard. Monarch Money is better for households that want net worth, budgets, goals, and cash flow in one app. Neontra is a Canadian-built option for people who want budgeting, debt, investments, and net worth together. PocketSmith is best for cash-flow forecasting. Sharesight is best for investment performance tracking, not full household net worth. ProjectionLab is best for long-term planning because it does not connect to your accounts and instead models your financial future.
Key takeaways
- Net worth tracking is not the same as budgeting.
- Investment-heavy households should start with Wealthica or Sharesight.
- Planning-focused households should compare ProjectionLab and PocketSmith.
- Canadian bank and brokerage connections vary by institution.
- Manual assets matter for homes, vehicles, pensions, private investments, and debt.
- Fortunave is a free structured manual tracker to compare before paying for a subscription tracker.
Net worth tracker examples
| Tool | Better fit | Main caution |
|---|---|---|
| Wealthica | Canadian investment aggregation and net worth history | Paid plans are needed for broader connected-account use |
| Monarch Money | Household dashboard with net worth, budget, goals, and cash flow | USD subscription and Canadian connection checks |
| Fortunave | Free manual tracking for accounts, balances, assets, debts, net worth, budget, and scenarios | Not a live brokerage aggregator |
| Neontra | Canadian personal finance tracking with budget and net worth | Plan limits and feature fit |
| PocketSmith | Forecasting, cash-flow planning, and scenario thinking | Canadian bank-feed reliability varies |
| Sharesight | Portfolio performance, dividends, and investment tax reports | Not a complete household net worth app |
| ProjectionLab | Long-term financial independence and retirement planning | Manual setup; no live account syncing |
| Spreadsheet | Privacy-first net worth tracking | Requires discipline and manual updates |
Best for
Multiple Canadian brokerages
Wealthica
Couple or household dashboard
Monarch Money
Wants a free Canadian manual tracker
Fortunave
Wants Canadian-built budget plus net worth app
Neontra
Wants cash-flow forecasts
PocketSmith
Cares most about investment returns
Sharesight
Wants retirement or financial independence modelling
ProjectionLab
Does not want to connect accounts
Spreadsheet or ProjectionLab
What to compare
Compare Canadian institution support, sync reliability, manual assets, liabilities, investment holdings, performance reporting, cash-flow forecasting, goal tracking, household sharing, multi-currency support, exports, subscription price, privacy policy, read-only access, 2FA, data deletion, and whether the app sells data or runs ads.
Pros and cons
Pros
- Shows your full financial picture in one place.
- Makes debt repayment and asset growth easier to see.
- Helps spot concentration risk across accounts.
- Useful for couples, families, and long-term planning.
- Can replace scattered brokerage, banking, and spreadsheet checks.
Cons
- Account connections can break.
- Some institutions may not sync cleanly.
- Subscriptions can be expensive.
- Wrong classifications can distort your totals.
- Connecting accounts introduces privacy and security tradeoffs.
Net worth trackers handle sensitive financial data. Before connecting accounts, review whether access is read-only, which data provider is used, whether credentials are stored, what security certifications are claimed, how exports work, and how to delete your data.
What a net worth tracker should do
A good net worth tracker should show assets, liabilities, and net worth over time. At minimum, it should help you track bank accounts, investment accounts, real estate, vehicles, credit cards, loans, and other debts.
The more important question is accuracy. A beautiful dashboard is not useful if it double-counts transfers, misses liabilities, ignores currency, or cannot represent manual assets like a home, pension, business, or private investment.
Wealthica
Wealthica is one of the most Canada-specific options because it focuses on Canadian financial institutions and investment aggregation. Its site describes historical net worth views, investment tracking, dashboards, reports, exports, and manual assets.
It is best for investors with multiple Canadian brokerages, registered accounts, taxable accounts, and portfolio holdings. Wealthica's pricing page lists paid tiers with connected-account features, manual stock tracking, balance sheet reports, holdings, transactions, capital gain reports, and Google Sheets or Excel export options depending on plan and add-ons.
The key caution is cost and connector fit. Confirm that your banks, brokerages, workplace plans, and credit cards are supported before treating it as your main dashboard.
Monarch Money
Monarch Money is a polished household finance dashboard that includes net worth tracking along with budgeting, goals, recurring expenses, and collaboration. It is better for people who want a broad personal finance app, not just an investment tracker.
Monarch's pricing help page says it is subscription-based, ad-free, and billed in USD. Its security page says connected accounts are read-only and cannot move money.
For Canadians, the important step is testing your actual institutions during the trial. If your main accounts sync poorly, the dashboard will require manual maintenance.
Neontra
Neontra is a Canadian personal finance app that combines budgeting, spending, cash flow, debt, investments, and net worth-style tracking. Its pricing page lists a free plan with one synced connection and paid plans with unlimited sync connections to Canadian or U.S. institutions.
It is worth comparing if you want a Canadian-built app and a broader view than a pure portfolio tracker. Check whether the free plan is enough, whether your institutions sync well, and whether its reports answer the questions you actually have.
Fortunave
Fortunave is Fortunave's free personal finance app at app.fortunave.com. It belongs in this comparison because many Canadians should test a free tracker before committing to a paid subscription.
Use it as a practical first pass for structured manual tracking: accounts, dated balances, cash, investments, debts, real estate, manual assets, liabilities, ownership percentages, linked asset-debt relationships, net worth totals, freshness indicators, budget data, investment holdings, and scenario tools. It is not positioned here as a live bank or brokerage aggregator. Because this is Fortunave's own product, readers should still compare it against paid trackers on the same criteria: tracking workflow, privacy, exports, account coverage, manual assets, and long-term usability.
PocketSmith
PocketSmith is strongest when you care about forecasting. It can help you think through future cash flow, bills, scenarios, and long-term planning.
The Canadian caveat is material. PocketSmith's Canada page says Canadian customers can use bank-file uploads when bank feeds are imperfect, and its help pages explain how to check whether a feed exists for a specific institution.
Choose PocketSmith if you want planning and forecasting more than automatic net worth aggregation.
Sharesight
Sharesight is a portfolio tracker rather than a full net worth tracker. Its Canada page highlights broker integrations, performance reporting, dividend tracking, tax reporting, and support for Canadian pricing. It also offers a free tier for up to 10 holdings, with paid tiers for more holdings and portfolios.
Sharesight is useful if the hardest part of your net worth is understanding investment performance. It is less suitable if you want one dashboard for bank accounts, mortgages, real estate, credit cards, and household budgets.
ProjectionLab
ProjectionLab is not a live account aggregator. That is the point. It is a financial planning tool for modelling retirement, financial independence, cash flows, taxes, scenarios, and future net worth. Its site says it does not link to real financial accounts and lets users choose cloud sync, browser local storage, or manual import/export.
ProjectionLab is best when you already know your approximate current balances and want to test decisions: retire earlier, save more, buy a home, reduce work, withdraw from accounts, or stress-test market outcomes.
Spreadsheet or manual tracker
A spreadsheet is still one of the best net worth trackers if you update it consistently. It is private, flexible, free, and easy to audit. It also avoids account-linking risk.
Use monthly snapshots. List each asset and liability, update balances, keep notes for unusual changes, and chart the total over time. If your situation is simple, this can be better than paying for software.
How often should you update net worth?
Monthly is enough for most households. Daily updates can create noise, especially if your net worth is mostly investments or real estate. A monthly review is frequent enough to catch debt progress, savings rate, account errors, and major trend changes.
FAQ
What is the best net worth tracker in Canada?
Wealthica is a strong starting point for Canadian investment aggregation. Monarch Money and Neontra are better for broader household finance tracking. Fortunave is a free Canadian manual tracker to try before paying for a subscription. ProjectionLab is better for long-term planning, and a spreadsheet is best for privacy-first manual tracking.
Is Wealthica worth it?
Wealthica can be worth it for Canadians with multiple investment accounts, brokerages, and manual assets. It is less compelling if you only have one simple portfolio or if your key institutions are not supported.
Is Monarch Money good in Canada?
Monarch can be good in Canada if your institutions connect reliably and you want a combined budget, goals, cash-flow, and net worth dashboard. Check pricing in USD and test account syncing before committing.
Should I connect my bank accounts to a net worth tracker?
Only if you understand the privacy and security tradeoffs. Look for read-only access, strong authentication, clear deletion controls, and transparent data policies. Manual tracking is safer for people who do not want to share credentials or financial data.
Is a spreadsheet enough for net worth tracking?
Yes. A spreadsheet is enough if you can update it monthly and do not need automatic transactions or live holdings. It is often the best choice for privacy and accuracy.