Net Worth Tracker Canada — RRSP, TFSA, Property & More
Most net worth trackers are built for Americans. They don't understand RRSP contribution room, TFSA limits, FHSA rules, or CAD. Richify is the free net worth tracker built from the ground up for Canadian accounts — track everything in one place and see exactly where you stand.
Quick Answer
Richify is the best free net worth tracker for Canada in 2026. It tracks RRSP, TFSA, FHSA, RESP, TSX stocks, investment property, mortgages, GICs, crypto, and vehicles — all consolidated in CAD. Unlike Empower or Mint, it handles Canadian registered accounts natively and benchmarks your net worth against Statistics Canada age-cohort data.
Every Canadian Asset Class, One View
Why US Apps Don't Work in Canada
No RRSP / TFSA support
Empower, Mint, and YNAB have no concept of registered account contribution room — your biggest tax advantages are invisible to them.
USD-only reporting
US trackers report in USD. Every balance fluctuates with the exchange rate, making your Canadian net worth meaningless over time.
Wrong benchmarks
US apps compare you to American wealth percentiles. The median Canadian net worth at 35-44 is $234,400 CAD — not the US figure. Context matters.
Average Net Worth by Age in Canada (2026)
Source: Statistics Canada Survey of Financial Security (SFS)
Age Under 35
$48,800
median CAD
$173,000 75th pct
Age 35–44
$234,400
median CAD
$580,000 75th pct
Age 45–54
$489,300
median CAD
$1.05M 75th pct
Age 55–64
$690,000
median CAD
$1.42M 75th pct
Net Worth Tracker Comparison — Canada
| App | RRSP/TFSA | Property | CAD | AI | Free |
|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | ✓ |
| Empower (Personal Capital) | ✗ | ✓ | ✗ | ✗ | ✓ |
| YNAB | ✗ | ✗ | ✗ | ✗ | ✗ |
| Mint (defunct) | ✗ | ✗ | ✗ | ✗ | ✓ |
| Wealthica | ✓ | ✗ | ✓ | ✗ | ✗ |
| Google Sheets | ✓ | ✓ | ✓ | ✗ | ✓ |
How to Track Your Net Worth with Richify
Add your assets
Enter your RRSP, TFSA, FHSA, RESP, TSX holdings, real estate, GICs, savings, crypto, and vehicles. Takes about 5 minutes.
Add your liabilities
Enter your mortgage balance, HELOC, car loans, student loans, and credit card balances. Richify calculates net worth automatically.
See your picture
Get your total net worth in CAD, your percentile vs Canadians your age, and AI-powered insights on where to focus next.
Frequently Asked Questions
What is the best net worth tracker for Canada?▼
Richify is built specifically for Canadian accounts — it handles RRSP, TFSA, FHSA, RESP, CPP projections, TSX stocks, and investment property all in CAD. US-based tools like Empower (formerly Personal Capital) and Mint don't support Canadian registered accounts or CAD natively, which means your net worth picture is always incomplete.
Can I track my RRSP and TFSA together in one app?▼
Yes. Richify lets you add your RRSP, TFSA, FHSA, and RESP balances as separate asset line items. The app consolidates all accounts into a single CAD net worth figure and shows how each registered account contributes to your total wealth picture.
Does Richify track investment properties in Canada?▼
Yes — you can add real estate assets including your primary residence, rental properties, and vacation properties. Richify calculates equity (property value minus outstanding mortgage) and includes it in your net worth. This is essential for Canadians where housing often represents 40-60% of total wealth.
How does net worth tracking help me financially?▼
Tracking net worth gives you a single number that tells you whether you're moving forward financially. It accounts for what you own (assets: RRSP, TFSA, property, stocks, cash) minus what you owe (liabilities: mortgage, HELOC, car loan, credit card). Watching this number grow over time is more motivating and informative than tracking individual accounts in isolation.
What is the average net worth by age in Canada?▼
According to Statistics Canada's Survey of Financial Security: age 35-44 median is $234,400; age 45-54 median is $489,300; age 55-64 median is $690,000. The 90th percentile at 35-44 is approximately $1.15M. Richify shows where you stand in your age cohort.
Ready to know your real net worth?
Free. No bank linking. Takes 5 minutes to set up.
Start Tracking for Free →For educational purposes only. Not financial advice.