I have accounts everywhere. Is this… fine?
RRSPs at one bank. TFSAs at a discount brokerage. An employer pension you barely understand. A RESP at another institution. Maybe a LIRA from a job you left five years ago. You're not even sure what's in all of them — let alone whether they add up to enough.
Every account. Every institution. One dashboard.
The average Canadian household has accounts at 3–4 different financial institutions. Each one has its own login, its own reporting, and its own way of showing you your money. None of them show you the full picture.
Loonies & Sense tracks every Canadian account type: RRSPs, RRIFs, TFSAs, FHSAs, RESPs, RDSPs, LIRAs, LIFs, non-registered accounts, defined benefit and defined contribution pensions, corporate investment accounts, and business retained earnings. Group them by institution, by person, or by account type.
See your holdings by asset class. Check your concentration risk. Update valuations. Know whether your allocation actually matches your plan — not just within one account, but across your entire household.
You can't manage what you can't see. Now you can see all of it.
Your net worth, tracked over time
Net worth isn't just a number. It's the single best measure of whether you're making progress. Are your assets growing faster than your debts? Is your savings rate actually moving the needle?
The net worth dashboard shows your total assets, total liabilities, and net worth over time. Broken down by family member, by asset category, and by account type. With min, median, and max projections so you can see where you're heading under different scenarios.
Real estate, vehicles, collectibles, business interests — everything that has value gets tracked alongside your financial accounts. Mortgages, credit cards, student loans, car payments — everything you owe. One honest number.
People who monitor their financial goals are significantly more likely to achieve them. Your net worth is the ultimate goal.
Your accounts feed your plan
This isn't a standalone portfolio tracker. Your investment accounts are the foundation of your entire financial plan. The balances feed into your retirement projections. The account types determine your tax treatment. Your RESP balances connect to your education plan. Your total portfolio determines your estate snapshot.
Change an account balance or add a new holding, and the ripple goes through your entire plan. Contribution room is tracked automatically — TFSA since 2009, RRSP based on prior-year income — so you always know exactly how much room you have.
For self-employed Canadians and rental property owners, the business module tracks multiple businesses, compensation allocation, shareholder structures, and rental income with tax projections built in.
One source of truth. Everything connected. No spreadsheets.
$99/year. That's it.
Calculators and learning content are free. The planning app is $99/year per household. No credit card required to start.
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