| Product | Best for | Price | Foreign withholding tax |
|---|---|---|---|
| Snowball Analytics | most dividend investors | Free; Starter US$7.99/mo or US$79.99/yr | Custom withholding tax settings |
| Sharesight | dividends plus tax-time reports | Free; Starter CA$12/mo or CA$9/mo yearly | Set by each portfolio's tax setting (non-registered, RRSP, RRIF, TFSA) |
| Stock Events | a dividend calendar on your phone | Free (15 stocks); Pro CA$69.99/yr on the Canadian App Store | Not documented |
| Looniee Ours | withholding tax by account, at no cost | Free; Plus CA$72/yr | Estimated from the issuer's country × account type, free |
| Wealthsimple’s own app | dividends at Wealthsimple only | Free with a Wealthsimple account | Not documented |
Withholding tax is where Canadian dividend tracking goes wrong
A US company's dividend usually has 15% withheld before it reaches a Canadian. Whether you get that back depends on the account. In an RRSP, the tax treaty exempts US dividends paid directly, so nothing is lost. In a TFSA, FHSA or RESP, the 15% is simply gone. In a non-registered account, you can usually claim a foreign tax credit.
A Canadian-listed ETF that holds US stocks adds a layer: the fund pays the US tax inside the fund, and you never see it on a statement. A tracker that shows "dividends received" without knowing the account type can't tell you which of your dividends are quietly losing 15%. Our guide to US withholding tax in a TFSA and RRSP walks through each case.
US tax withheld on US-listed dividends, by account
Only the RRSP (and RRIF) is exempt under the Canada–US treaty. In a non-registered account the 15% can usually be claimed back as a foreign tax credit; in a TFSA, FHSA or RESP it is simply lost.
| Item | Value |
|---|---|
| RRSP / RRIF | 0% (treaty exemption) |
| Non-registered | 15% (usually creditable) |
| TFSA | 15% (lost) |
| FHSA | 15% (lost) |
| RESP | 15% (lost) |
What a dividend tracker should show you
- A calendar of upcoming ex-dates and payments, so income isn't a surprise
- Yield on cost, so a stock you bought cheaply shows what it pays you, not the market yield
- Dividends per account, after the withholding that account actually loses
- DRIP handling, so reinvested shares raise your cost base instead of looking like new money
01Snowball Analytics
Best for most dividend investors
Snowball is built around dividends, and it shows. You get a calendar of upcoming payments, yield on cost, a dividend rating, custom withholding tax settings, plus performance including IRR, benchmarks and a rebalancing tool. Its Canada page covers TSX holdings, RRSPs and TFSAs in Canadian dollars, and its help centre has import guides for Wealthsimple and Questrade.
It's a French company and prices in US dollars. The free plan has no broker linking, so syncing your accounts means paying. It doesn't document contribution-room tracking.
Good
- The most complete dividend toolset here
- Broker linking on paid plans; Wealthsimple and Questrade import guides
- iOS and Android apps; 14-day trial, no card
Not so good
- Priced in USD
- Free plan: 1 portfolio, 10 holdings, no broker linking
- No documented room tracking or Canadian capital gains
02Sharesight
Best for dividends plus tax-time reports
Sharesight updates dividends, DRIPs and splits automatically and folds them into a dividend-adjusted return. Each portfolio has a Canadian tax setting, and the RRSP and TFSA settings change how US withholding is treated: in an RRSP it doesn't apply to US stocks; in a TFSA it still does.
Where it pulls ahead of Snowball is tax: its Canadian capital gains report uses the ACB method. That starts on the paid plans, which are in Canadian dollars.
Good
- Dividends and DRIPs updated automatically
- Per-account tax treatment of US withholding
- ACB capital gains report on paid plans
Not so good
- Free plan counts sold holdings toward its 10
- Less dividend-specific tooling than Snowball
- A household with several accounts needs a bigger plan
03Stock Events
Best for a dividend calendar on your phone
Stock Events is the lightest option: a phone app with a dividend and earnings calendar for up to 15 stocks free. Pro removes the cap, and a separate weekly "Connect" add-on syncs brokerages, exchanges and wallets.
It says it covers 50+ global exchanges but doesn't name the TSX specifically, and it doesn't document how it treats Canadian accounts or withholding. Check your holdings show up before paying.
Good
- Free for up to 15 stocks
- Clean calendar of upcoming dividends
- Optional broker sync
Not so good
- TSX support not explicitly documented
- Nothing on registered accounts or withholding
- Sync is a separate weekly charge
04LoonieeOurs
Best for withholding tax by account, at no cost
This is ours, and it's here for one thing the others don't document. Looniee's free Income tab tracks dividend income per account and estimates the foreign withholding each account actually loses, working from where the company is based rather than the currency its shares trade in. So a Canadian company listed in New York isn't docked 15%, and a US-index ETF held in a TFSA shows the tax lost inside the fund.
It isn't a dividend app. There's no dividend rating, and nothing syncs: dividends arrive with your next broker import or when you type them. It's web only and English only.
Good
- Withholding estimated by issuer country and account type
- Income tab is on the free plan
- Room tracking for the accounts the dividends land in
Not so good
- No sync; dividends arrive by import or typing
- Fewer dividend tools than Snowball
- Web only, English only
05Wealthsimple’s own app
Best for dividends at Wealthsimple only
If all your dividend payers sit at Wealthsimple, its app already shows dividends earned and your dividend history, free and automatically.
It doesn't offer a forward calendar or yield on cost in what we reviewed, and it only knows about Wealthsimple accounts.
Good
- Free and automatic
- Dividend history per account
Not so good
- Wealthsimple accounts only
- No documented calendar or withholding view
Our pick
For most Canadian dividend investors, Snowball Analytics is the one to try first. It has the deepest dividend tools and a Canada page that understands TSX holdings and registered accounts. If you'd rather pay in Canadian dollars and want a capital gains report at tax time, pick Sharesight instead.
Whichever you choose, check how it treats withholding in your TFSA. If you want an estimate per account without paying anything, Looniee's free Income tab does that, and you can run it alongside a dividend app.
What we'd do today
- List which of your dividend payers are US companies or US-index funds, and which account each sits in.
- Read the US withholding tax guide and move nothing yet. Just note where you're losing 15%.
- Start Snowball's 14-day trial (no card) and import one account to see whether its calendar works for you.
- If you want withholding by account at no cost, look at the Income tab in the Looniee demo.
Questions
- Is there a free dividend tracker for Canadians?
- Several have free plans: Snowball and Sharesight both cover 10 holdings (Sharesight counts sold ones), Stock Events covers 15 stocks, and Looniee's free plan includes the Income tab. Wealthsimple's app is free for Wealthsimple accounts.
- Do dividend trackers handle US withholding tax correctly?
- It varies. Snowball has custom withholding settings, Sharesight applies it by portfolio tax setting, and Looniee estimates it from the issuer's country and the account type. Whatever you use, the withholding inside a Canadian-listed US-equity ETF won't appear on any statement.
- Do I lose the 15% US withholding in a TFSA?
- Yes, on US dividends in a TFSA, FHSA or RESP the tax is withheld and can't be recovered. In an RRSP, US dividends paid directly are exempt under the tax treaty. The withholding guide covers ETFs too.
- Can a dividend tracker sync with my Canadian broker?
- Snowball links brokers on its paid plans, Sharesight lists 14 Canadian brokers, and Stock Events has a paid Connect add-on. Looniee doesn't connect; you import your broker's file.
We checked prices and features for every product here on its own website (earliest check: October 20, 2026). This changes often, so double-check before you pay for anything.
