The net worth tracker built for Canadian investors.

Track every account, every dollar of TFSA, RRSP, FHSA and RESP room, and every dividend across your whole household.

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My PortfolioLive
CA$145,218.40+1.30% today
Updated just now · CAD
1D5D1M6MYTD1Y5YMAX
Explain this
Day gain
+CA$1,863.20
+1.30%
Unrealized gain
+CA$34,820.50
+31.5%
Cash
CA$5,618.00
3.9% of portfolio
Dividends / year
CA$1,420.00
est. annual · yield-based
Allocation
Distribution across account types
AccountsHoldingsAssetSectorBank
Total
CA$145,218
56.2%TFSACA$81,600
31.7%RRSPCA$46,000
8.3%FHSACA$12,000
3.9%CashCA$5,618
Top movers today
Largest day-over-day gains and losses
NVDANVDA
NVIDIA Corporation
US$223.47
+2.10%
AAPLAAPL
Apple Inc.
US$302.25
+1.40%
VFVVFV.TO
Vanguard S&P 500 Index ETF
CA$162.84
+0.95%
RYRY.TO
Royal Bank of Canada
CA$178.20
+0.62%
Free. Private. Manual by design.
The problem

Every Canadian portfolio tool gets something wrong.

Fragmented dashboards, fragile spreadsheets, miscounted contribution room. Most were never built for Canadians in the first place.

Fragmented dashboards.

Every broker shows only itself. Your real picture is split across five logins that never add up.

Fragile spreadsheets.

One wrong formula and your contribution room is off — quietly, and usually right before you need it.

Miscounted contribution room.

TFSA timing, FHSA carry-forward, RRSP limits — most tools just ignore Canada.

The Canadian engine

Replace your contribution-room spreadsheet.

Every Canadian registered account is a first-class data type — with its own rules, its own room logic, and its own edge cases. The math no other app gets right.

TFSA
RRSP
FHSA
RESP
NON-REGISTERED
TFSA

TFSA room, calculated to the dollar.

Annual limits since 2009, your birth-year eligibility, every contribution, every withdrawal, every transfer. Looniee handles the full formula — including the part most tools miss.

Withdrawals don't restore room until Jan 1 of the following calendar year. Looniee tracks that timeline so you don't trigger the 1%/month over-contribution penalty.
RRSP

Either tell us your earned income, or upload your NOA.

RRSP room is income-dependent — so we can't guess. Looniee gives you two paths: estimate from prior-year earned income (18%, capped at the annual maximum), or import your Notice of Assessment for the exact CRA number.

Looniee warns you the moment contributions hit 90% of your room, so you never burn the $2,000 CAD lifetime over-contribution buffer.
FHSA

The trickiest registered account, finally legible.

FHSA has a unique carry-forward cap: you can roll over up to $8,000 CAD of unused room once. Skip too many years and you permanently lose room you can never get back. Looniee shows you the cap, the clock, and the lifetime ceiling at all times.

Your 15-year FHSA clock starts the day you opened the account, not the day you first contributed. Looniee tracks both.
RESP

Get every dollar of CESG. Every year.

Contribute $2,500 CAD per beneficiary per year and the government adds $500 CAD in CESG — that's a 20% guaranteed return. Looniee tracks each child separately, shows the exact contribution needed, and flags the lifetime $50,000 CAD ceiling.

Unused CESG room carries forward, but only up to $1,000 CAD/year of CESG can be claimed. Looniee plans the optimal catch-up sequence.
NON-REGISTERED

Per-lot ACB tracking. So tax season isn't a panic.

In a non-registered account, capital gains are calculated on the adjusted cost base of each lot you bought. Looniee tracks every buy, every sell, every DRIP, every return of capital — and gives you a clean ACB number on demand. CAD and USD lots tracked separately.

Multi-currency math handled correctly: USD lots are converted to CAD at the transaction-date Bank of Canada rate, not today's rate.
TFSAWealthsimple
2026
$68 CAD / $7,000 CAD
Room remaining this year
Lifetime room
$95,000 CAD
Used to date
$94,932 CAD
2025 withdrawal
$3,200 CAD
Restored Jan 1
$3,200 CAD
⚑ Room update queued for Jan 1, 2027 — you'll get $3,200 CAD back automatically.
RRSPQuestrade
2026
Income estimate
$23,400 CAD
NOA imported
$28,140 CAD
$28,140 CAD
Available room · from your 2025 NOA
Source · CRA Notice of Assessment · uploaded Mar 14
FHSAEQ Bank
2026
$13,200 CAD available
$8,000 CAD new + $5,200 CAD carried from 2025
Lifetime cap
$40,000 CAD
Contributed
$16,000 CAD
Account opened
Mar 2024
Closes by
Mar 2039
RESPRBC Direct Investing
2026
RI
Riley
Age 7 · 11 years to RESP close
$500 CADCESG ready
OB
Oliver
Age 4 · 14 years to RESP close
$500 CADCESG ready
Contribute $2,500 CAD to each by Dec 31 → $1,000 CAD in CESG.
NON-REGQuestrade
CAD + USD
Symbol
Qty
ACB / share
Unrealized
AAPLApple Inc.
60
US$182.40
+ $3,180 CAD
VFV.TOVanguard S&P 500
142
$98.42 CAD
+ $4,820 CAD
RY.TORoyal Bank of Canada
70
$128.10 CAD
− $310 CAD
Manual by design

A little effort. Total control.

“Manual” isn't a limitation — it's a privacy decision. It means no aggregator holding your credentials, no third party logging what you buy, and no fragile connection to babysit. No logins. No leaks. No broken sync. Just your data, kept yours.

No bank or brokerage credentials. Ever. There's nothing for an aggregator to lose.
Private by default. Your data is encrypted, never sold, and never shared with advertisers or third parties. The only person who sees your finances is you.
CSV import for the bulk work. RBC, TD, BMO, CIBC, Scotia, Questrade, Wealthsimple. Parsed in your browser.
Ready for Open Banking. When Canada's CDBA framework launches, optional sync will be there for anyone who wants it.
Assets
4 holdings · 2 accounts
CAD
SymbolPriceDayValueTotal
NVDANVDA
NVDARRSP
NVIDIA Corporation
US$223.47+2.10%CA$43,600+64.2%
VFVVFV.TO
VFV.TOTFSA
Vanguard S&P 500 Index ETF
CA$162.84+0.95%CA$38,000+22.4%
AAPLAAPL
AAPLTFSA
Apple Inc.
US$302.25+1.40%CA$24,000+18.1%
XEQTXEQT.TO
XEQT.TORRSP
iShares Core Equity ETF
CA$40.74+0.41%CA$22,000+9.2%
What the data unlocks

See what your portfolio is actually doing.

Once everything's in one place, the questions you couldn't answer before become obvious. Real return. Real concentration. Real currency risk.

Allocation
Distribution across account types
AccountsHoldingsAssetSectorBank
Total
CA$145,218
56.2%TFSACA$81,600
31.7%RRSPCA$46,000
8.3%FHSACA$12,000
3.9%CashCA$5,618
Diversification score
Moderate
concentration
Your top 3 holdings make up 72.7% of your portfolio.
Low
Mod
High
V.High
Positions5
HHI score2,170
Concentration by holding
NVDA30.0%
VFV.TO26.2%
AAPL16.5%
XEQT.TO15.1%
RY.TO8.3%
Top Holding
Very high
NVDA
30.0% of portfolio
CA$43,600.00
Est. Income / yr
CA$1,420.00
1.02% yield
Diversification
Moderate
Top 3 holdings: 72.7%
HHI: 2,170
Currency exposure
🇨🇦53.5% CAD
Canada · 2 currencies
🇨🇦CAD· Canada53.5%CA$77,618
🇺🇸USD· United States46.5%CA$67,600
Top movers today
Largest day-over-day gains and losses
NVDANVDA
NVIDIA Corporation
US$223.47
+2.10%
AAPLAAPL
Apple Inc.
US$302.25
+1.40%
VFVVFV.TO
Vanguard S&P 500 Index ETF
CA$162.84
+0.95%
RYRY.TO
Royal Bank of Canada
CA$178.20
+0.62%
Insights
Suggestions based on your portfolio
2 NEW
Concentration risk
NVDA is 30.0% of your portfolio. Consider rebalancing to reduce single-stock exposure.
Rebalance
TFSA contribution room
Open the TFSA calculator to see your unused contribution room and estimated tax-sheltered gains.
Open calculator
Built for households

Your TFSA. Your partner's RRSP. Your kid's RESP. One workspace.

Most trackers assume a household is one person. Looniee assumes the opposite. Each person gets their own profile, their own contribution room calculations, and their own privacy. Start free with your own — add the whole household with Looniee Plus.

AL
Alex
You
JO
Jordan
Partner
RI
Riley
Dependent · 7
TFSA
Wealthsimple Trade
Alex · $68 CAD room left
$94,820 CAD
RRSP
Questrade
Alex · $28,140 CAD room
$182,540 CAD
TFSA
EQ Bank
Jordan · $2,400 CAD room left
$71,400 CAD
FHSA
EQ Bank
Jordan · $13,200 CAD room
$24,000 CAD
RESP
RBC Direct Investing
Riley · $500 CAD CESG ready
$18,200 CAD
NON-REG
Joint · Questrade
Alex + Jordan · 50/50
$96,369 CAD
Why not Wealthica

Different problems. Different solutions.

We get the question a lot. Wealthica is a fine product — but it's solving a different problem than Looniee. Here's the honest comparison.

Wealthica
Built around sync
Built to aggregate read-only data from your accounts. The model is designed for sync; Canadian-specific rules sit on top of a generic structure.
Aggregates accounts via Flinks/Plaid
Works across many Canadian institutions when sync is connected
Requires bank credentials
Generic account model — no FHSA / TFSA room logic
No household / multi-person profiles
Subscription, ~$120 CAD/yr
Looniee
Built around Canadian rules
Built around your contribution room, your household, and your control. Manual-first means it never breaks — and CSV import means the bulk work is fast.
Free — no credit card, no bank credentials
TFSA / RRSP / FHSA / RESP / RDSP modeled correctly
Per-person contribution room ledger
Household-native — every person, separately (Plus)
Per-lot ACB across accounts, CAD + USD with FX history
Manual-first — your data, your control

Stop guessing.
Start tracking.

Every account, every contribution room number, your whole household — in one private workspace. No logins, no aggregator, no broken sync and no privacy issues.

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