Wealthica is a Canadian account-aggregation platform that connects to 100+ banks, brokerages and crypto exchanges to give you one net worth and portfolio dashboard, with strong dividend tracking and an add-on marketplace.
| Feature | Richify | Wealthica |
|---|---|---|
| Net Worth Tracking (CAD) | ✓ | ✓ |
| RRSP / TFSA / FHSA / RESP | Native account types | Via linked institutions |
| Property & Mortgage in Net Worth | Built-in, manual | Manual asset entry |
| Account Aggregation (auto-sync) | ✗ | 100+ CA banks & brokers |
| Privacy-First (no bank linking) | Manual entry, no linking | Requires linking to auto-sync |
| AI Explanations & Coaching | Built-in AI (Felix) | ✗ |
| What-If Scenario Planning | RRSP vs TFSA, FHSA, mortgage paths | ✗ |
| Dividend & Investment Tracking | Holdings & allocation | Strong dividend tracking |
| Compare to Canadians Your Age | Age benchmarks | ✗ |
| Multi-Country Support | 7+ countries | Canada-focused |
| Add-On / Integration Marketplace | ✗ | Add-on marketplace |
| Pricing | Free trial, then paid plans | Free core + paid add-ons |
The Verdict
Wealthica is the stronger choice if you want fully automated aggregation across Canadian banks and brokerages and mature dividend tracking. Richify is the better fit for Canadians who want built-in AI explanations, what-if planning across RRSP/TFSA/FHSA and mortgages, property included in net worth, and privacy-first manual entry with no bank linking. Many Canadians value Richify's clarity and control; Wealthica wins on automation. Richify offers a free trial before paid plans.
Last reviewed: · Reviewed by the Richify team
Track your net worth, run calculators, and get built-in AI insights — all in one app. Start with a free trial.
Try Richify — Free TrialYes. Both track Canadian net worth across registered accounts. Richify differs by adding built-in AI explanations, what-if scenario planning (RRSP vs TFSA, FHSA, mortgage paths), property and mortgage in the same view, and privacy-first manual entry that never requires linking a bank. Wealthica is the better fit if your priority is automated account aggregation across 100+ Canadian institutions.
Yes. Wealthica's core strength is account aggregation — it connects to a large range of Canadian banks, brokerages, and crypto exchanges to auto-sync balances and holdings, including registered accounts like RRSP, TFSA and FHSA held at those institutions.
Yes. Richify treats RRSP, TFSA, FHSA and RESP as native Canadian account types, alongside property, mortgages, GICs, cash and crypto, so your full Canadian net worth sits in one CAD view.
No. Richify is privacy-first and manual-entry — you add your accounts and assets yourself, so your banking credentials are never shared. This is the main trade-off versus Wealthica's automated syncing: less automation, more privacy and control.
Richify. It includes property equity and mortgages directly in your net worth and scenario planning. Wealthica focuses on investment and bank accounts; property is added as a manual asset rather than modelled in detail.
No. Richify is educational — it explains, models, organizes and benchmarks your finances, but it does not direct you to buy or sell specific products. Always confirm decisions with a licensed advisor.
Comparison is educational only. Features and pricing may change. We strive for accuracy but recommend verifying directly with each service.