| Product | Best for | Price | Each person's room |
|---|---|---|---|
| Looniee Ours | each person's room, in one household view | Free; Plus CA$72/yr | Calculated separately for each person (Plus) |
| Wealthsimple’s own app | couples who both invest at Wealthsimple | Free with a Wealthsimple account | Not tracked; Wealthsimple contributions only |
| Monarch Money | budgeting together | US$14.99/mo or US$99.99/yr | Not documented |
| Wealthica | a synced view of the whole family's accounts | From $6.25/mo or $50/yr (currency not stated); no free plan listed | Registered Contribution Tracker (2022); per-person room not documented |
| Greenline | one person tracking for the family, free | Free during beta; paid plans not announced | Tracked from figures you confirm; per-person handling not documented |
| A spreadsheet | couples who want full control | Free | Whatever you build |
Two people, two sets of room
Contribution room belongs to a person, not a household. Each of you has your own TFSA room, your own RRSP deduction limit and, if you're first-time buyers, your own FHSA. A spousal RRSP uses the contributor's room but the account belongs to the other spouse. Spending your room on your partner's TFSA doesn't work at all: you can give them the money, but they contribute it with their own room.
So a tracker that shows one combined "registered" number is fine for net worth and useless for the question "can I put more in my TFSA this month?" You want both views: the household total, and each person's room on its own.
Seeing each other's money is a choice
Some couples want everything visible to both. Others want one person to keep the books for both. Some want to share balances but not every transaction. The tools below handle this differently: Wealthsimple lets each partner choose which balances to share, Monarch is built for two logins on one budget, and Looniee is one login that tracks up to 6 people.
01LoonieeOurs
Best for each person's room, in one household view
This is ours. On Looniee Plus, each account is labelled with its owner, and you can view the household together or one person at a time, up to 6 people in one login. Each person's TFSA, RRSP, FHSA and RESP room is worked out separately from CRA rules, with an over-contribution flag per person.
Two limits worth knowing. The household view is Plus only; the free plan tracks one person. And a joint account has one owner in Looniee, so a joint non-registered account isn't split between you. It's also one login, not two: it suits a couple where one person keeps the books, less so one where both want their own app.
Good
- Household total and each person's room, side by side
- Up to six people, so kids' RESPs fit too
- No bank or broker login for either of you
Not so good
- Household tracking is Plus only
- No sync; one login, not a login each
- Web only, English only; joint accounts aren't split
02Wealthsimple’s own app
Best for couples who both invest at Wealthsimple
If you both invest at Wealthsimple, its household feature is free and already there. Each partner chooses which balances to share, and you can see each other's accounts in net worth, holdings and performance.
It doesn't track contribution room for either of you, and it only knows about contributions made at Wealthsimple.
Good
- Free
- Each partner chooses what to share
- Automatic, with apps for both
Not so good
- No contribution room tracking
- Only sees Wealthsimple contributions
03Monarch Money
Best for budgeting together
If your real question is "where does our money go each month?", Monarch is built for that: bank and card connections, spending categories, shared budgets. It's available in Canada and billed in US dollars.
It's budgeting-first. Canadian registered accounts and room aren't documented, and it asks you to use the trial to confirm your institutions connect reliably.
Good
- Shared budgeting and spending tracking
- Bank and investment connections
- Apps on every platform
Not so good
- Billed in USD, no free plan
- Nothing documented on TFSA or RRSP room
- Canadian institution coverage not listed
04Wealthica
Best for a synced view of the whole family's accounts
Wealthica lets you assign accounts to groups for family members or a trust and keeps everything synced from more than 200 Canadian institutions, bank accounts included. Dashboard sharing lets a partner or advisor see it too.
It has a Registered Contribution Tracker, announced in 2022, but its pages don't say whether it works out room per person. There's no free plan listed.
Good
- Family and trust groups
- Synced from 200+ Canadian institutions
- Web, iOS and Android, English and French
Not so good
- No free plan listed
- Per-person room not documented
- Sync depends on connections staying healthy
05Greenline
Best for one person tracking for the family, free
Greenline's FAQ says family or spouse accounts can be tracked from one login, and it tracks TFSA, RRSP, FHSA and RDSP room from a starting figure you confirm. It's free during its beta.
Sharing with a partner isn't available yet, and native joint accounts are on its roadmap.
Good
- Free during beta
- Family accounts from one login
- iOS app
Not so good
- No partner sharing yet
- Joint accounts not supported yet
- Future pricing unknown
06A spreadsheet
Best for couples who want full control
A shared Google Sheet with a tab per person and a household summary costs nothing, and you decide exactly what each of you sees. Plenty of couples run their finances this way for years.
Someone has to update it, and room for two people means writing the TFSA and RRSP rules twice.
Good
- Free, flexible, shared by default
Not so good
- Manual upkeep for everything
- Room rules are yours to build, per person
Our pick
If one of you keeps the books and you hold registered accounts at more than one institution, Looniee Plus is built for exactly that: the household total and each person's room on one screen. If you both invest only at Wealthsimple, its free partner view is enough, and you can check room in CRA My Account each spring.
If what you need is a shared budget rather than investment tracking, Monarch is the better tool, and paying in US dollars is the trade-off.
What we'd do today
- Each of you: sign in to CRA My Account and write down your own TFSA room, RRSP deduction limit and FHSA room.
- List every registered account in the household and whose it is. Spousal RRSPs belong to the annuitant spouse.
- Check each person's TFSA with the free TFSA contribution room calculator, separately.
- If you want both views in one place, look at the household view in the Looniee demo. It needs no account.
Questions
- Can couples share TFSA contribution room?
- No. Room belongs to each person. You can give your partner money to put in their own TFSA, using their room, but you can't contribute to their TFSA with yours.
- Is there a free net worth tracker for couples in Canada?
- Wealthsimple's partner view is free if you both invest there. Greenline is free during its beta and tracks family accounts from one login. A shared spreadsheet is free. Looniee's household view is on Plus; its free plan covers one person.
- How do I track a joint account?
- It depends on the tracker. In Looniee an account has one owner, so a joint non-registered account is assigned to one of you. Greenline lists native joint accounts as on its roadmap. TFSAs, RRSPs and FHSAs are always individual accounts, so this only comes up for non-registered accounts.
- Do we each need our own login?
- With Looniee, no: one login tracks up to 6 people. Monarch and Wealthsimple are built around each partner having their own login and choosing what to share.
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.
