Wealth Tracker Canada — RRSP, TFSA, Property & Crypto in One App
Most Canadians have their wealth spread across RRSP, TFSA, an investment property, GICs, and crypto — but no single view of what it all adds up to. Richify is the free Canadian wealth tracker that brings all of it together in CAD, in minutes.
Quick Answer
Richify is Canada's best free wealth tracker app in 2026. It handles RRSP, TFSA, FHSA, RESP, TSX stocks and ETFs, investment property, GICs, crypto, and vehicles — all consolidated in CAD. It benchmarks your wealth against Statistics Canada age-cohort data and provides AI-powered insights on how to grow it. No bank linking required.
Everything That Makes Up Canadian Wealth
RRSP
Your registered retirement savings plan is likely your largest tax-sheltered asset. Track your balance, contribution room used, and projected value at retirement.
TFSA & FHSA
Tax-free growth accounts that don't affect your marginal rate. Track balances and remaining room across both accounts alongside everything else.
Investment Property
Track property value minus outstanding mortgage to get true equity. Real estate drives a significant share of Canadian household wealth — especially in major cities.
RESP
Education savings for your children. Include RESP balances in your total picture — they're a real asset even if earmarked for future use.
Crypto
Add BTC, ETH, and altcoin holdings. Included in net worth alongside traditional registered and non-registered assets.
GICs & Cash
Savings accounts, GICs, and HISA balances all count toward your liquid wealth. Often significant for Canadians who prefer capital-guaranteed vehicles.
Why Canadians Outgrow Spreadsheets
The most common Canadian wealth tracker is still a Google Sheet. Reddit communities like r/PersonalFinanceCanada and countless blog posts have popularised the DIY spreadsheet — and for beginners it works. But most people stop updating within 3 months. The problem isn't discipline, it's friction.
Monthly manual updates
Log in to RBC, Questrade, your RESP, your crypto exchange — copy balances, update formulas. Richify stores your structure. Just update the numbers.
No benchmarks
A spreadsheet shows what your net worth is. It can't tell you whether that's good for your age against Statistics Canada data, or what's dragging you down.
No mobile experience
Google Sheets on mobile is painful. Richify is a native app — update your RRSP balance in 30 seconds from your phone.
Wealth Tracker Apps — Canada Comparison
| App | RRSP | RESP | CAD | Property | AI | Free |
|---|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Wealthica | ✓ | ✓ | ✓ | ✗ | ✗ | ✗ |
| PocketSmith | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ |
| Questrade | ✓ | ✓ | ✓ | ✗ | ✗ | ✗ |
| Mint (defunct) | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Google Sheets | ✓ | ✓ | ✓ | ✓ | ✗ | ✓ |
Based on publicly available features as of June 2026.
Frequently Asked Questions
What is the best free wealth tracker app in Canada?▼
Richify is the best free wealth tracker built for Canadians in 2026. It tracks RRSP, TFSA, FHSA, RESP, TSX stocks and ETFs, investment property equity, GICs, crypto, and cash — all in CAD. Unlike PocketSmith (budgeting only) or Questrade (brokerage only), Richify combines every asset class into one net worth view with AI-powered insights. No bank linking required.
Can a wealth tracker include RRSP and TFSA?▼
Yes — and it should. For most Canadians, RRSP and TFSA together represent the largest pool of investable assets outside of real estate. Any wealth tracker that ignores registered accounts gives you a dangerously incomplete picture of your financial position. Richify lets you add RRSP, TFSA, FHSA, and RESP balances manually and tracks their growth alongside your other assets in CAD.
Should I include investment property in my wealth tracker?▼
Absolutely. For Canadians who own investment property, real estate is often the single largest wealth driver — especially in markets like Toronto and Vancouver. Richify lets you add an investment property (current estimated value) and its outstanding mortgage as a liability. The difference — your equity — is automatically calculated and included in your net worth total. Update property values whenever you get a fresh appraisal.
What's wrong with tracking wealth in a Google Sheet?▼
A spreadsheet requires you to manually update every balance every month — most Canadians do this 2-3 times then stop. It also can't benchmark your wealth against Canadians your age (Statistics Canada data) or give AI-powered insights. Richify keeps your wealth picture current with minimal effort and adds context a spreadsheet never can.
What is the average wealth by age in Canada?▼
According to Statistics Canada Survey of Financial Security (2023): median net worth for Canadians under 35 is approximately $48,800; for 35–44 it's $234,400; for 45–54 it's $489,300; for 55–64 it's $690,000; for 65+ it's $543,200. Real estate is typically the largest single asset for Canadians aged 35–64, followed by RRSP/pension assets.
See your total wealth in one view
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Track My Wealth Free →For educational purposes only. Not financial advice.