| Product | Best for | Price | Multi-currency |
|---|---|---|---|
| Kubera | complex, multi-currency, multi-entity wealth | From US$250/yr; no free plan | Runs through every layer, per its homepage |
| Wealthica | a synced view of many Canadian institutions | From $6.25/mo or $50/yr (currency not stated); no free plan listed | Currency gains and losses on its capital gains report; broader handling not documented |
| Looniee Ours | the registered-account side of a Canadian household | Free; Plus CA$72/yr | Holdings and cash kept in their own currency, rolled up to CAD at each transaction's exchange rate |
| Monarch Money | households that also want budgeting and spending | US$14.99/mo or US$99.99/yr | Not documented |
| A spreadsheet | a family office of one who wants total control | Free | Whatever you build |
What changes when a balance sheet gets complicated
A portfolio tracker answers "how are my investments doing?" A high-net-worth household is asking something closer to "what do we own, where, in which currency, and who else needs to see it?" That brings in assets with no ticker (a private company stake, a rental property, a fund with capital calls), entities like a holding company or trust, and people other than you.
It also raises the cost of a broken connection. Every tracker that syncs depends on aggregators, and Kubera's own help centre says plainly that "100% connectivity is impossible." The more institutions you hold, the more you'll value a fallback when one stops updating.
The Canadian pieces a global tracker may miss
Global net-worth trackers handle currencies and asset classes well, but none we reviewed document Canadian registered-account rules: TFSA, RRSP and FHSA room, or the T1135 foreign-property reporting threshold. If those matter to you, plan to cover them separately, with CRA My Account, your accountant, or a Canadian tracker alongside.
01Kubera
Best for complex, multi-currency, multi-entity wealth
Kubera is built for this reader. It runs several aggregators at once, falls back to a "Web Sync" for institutions that won't connect, and lets you add anything by hand. It handles crypto and DeFi, private investments with capital calls and IRR, and real assets, and it treats currency as a first-class idea rather than a conversion at the end.
It's also built for other people seeing your wealth: granular sharing with family, assistants, advisors and accountants, and a "dead man's switch" for handing access on. Ownership tags and nested portfolios for entities are on the higher Black plan.
On Canada specifically: its homepage lists Canadian exchanges among those it covers, but there's no Canada page, and its pages don't mention TFSAs, RRSPs or contribution room.
Good
- Every asset class, including private and alternative investments
- Multi-currency throughout
- Sharing with family and advisors, plus a dead man's switch
Not so good
- From US$250 a year; entities need the US$2,500 Black plan
- No documented Canadian registered-account features
- No free plan
02Wealthica
Best for a synced view of many Canadian institutions
If most of your wealth sits at Canadian banks and brokers, Wealthica's coverage of more than 200 core Canadian institutions is hard to beat, and it adds crypto exchanges and wallets on top. It has groups for family members, trusts and other entities, dashboard sharing, and a capital gains report on every plan. It's bilingual, with mobile apps.
Connection limits lift from the Unlimited Connect plan, and 15-minute delayed quotes start at Premium. It's less suited to private investments and non-Canadian institutions than Kubera, and like any aggregator it depends on connections staying up.
Good
- 200+ core Canadian institutions synced
- Groups for family members and trusts
- English and French, with mobile apps
Not so good
- Fewer tools for private and alternative assets
- Pricing page doesn't state a currency
- 4 of its 6 one-star Trustpilot reviews (read October 1, 2026) describe sync failures
03LoonieeOurs
Best for the registered-account side of a Canadian household
This is ours, and we'd point most high-net-worth households elsewhere for the full picture. Where Looniee is useful is the part global trackers don't document: TFSA, RRSP, FHSA and RESP room for each person, average-cost ACB pooled across non-registered accounts, a T1135 foreign-property check and superficial-loss flags (the tax tools are on Plus).
It does hold more than securities. Property, vehicles, private holdings and collectibles can be added as manual assets, and US-dollar holdings are kept in USD and valued in CAD at historical exchange rates. Up to 6 people on Plus, each with their own room.
The limits are real for this reader: no sync of any kind, no entities or ownership splits (an account has one owner), no debt tracking as liabilities, and a household that tops out at six people.
Good
- Per-person registered-account room
- ACB, T1135 check and superficial-loss flags (Plus)
- Native multi-currency with historical FX
Not so good
- No sync; every update is an import or typed
- No entities, joint-ownership splits or liabilities
- Web only and English only
04Monarch Money
Best for households that also want budgeting and spending
Monarch is a budgeting app first, with net worth alongside. If your household runs on a shared budget and you want spending, cash flow and net worth in one app with a partner, it's a polished option, and it now accepts Canadian customers.
It bills in US dollars, has no free plan, and doesn't list which Canadian institutions connect. Monarch itself suggests using the 7-day trial to check that yours connect reliably.
Good
- Budgeting, cash flow and net worth together
- Web, iOS and Android
Not so good
- Billed in USD
- Canadian institution coverage not listed
- Less depth on investments and private assets
05A spreadsheet
Best for a family office of one who wants total control
Many wealthy households still run on a spreadsheet maintained by them or their accountant, because nothing else handles their particular mix of entities and private holdings exactly the way they want.
The cost is the upkeep, and the risk that only one person understands it. If someone else may need to take it over, a tracker with sharing (Kubera's dead man's switch exists for exactly this) is worth considering.
Good
- Handles any structure you can model
- Private, and no subscription
Not so good
- Manual upkeep for every price and balance
- Hard to hand over to someone else
Our pick
For a complex, multi-currency household, use Kubera. It's built for private investments, entities and sharing with advisors. If your wealth is mostly at Canadian institutions and you want them synced, Wealthica on Premium or Prestige is the strong Canadian choice.
Neither documents Canadian registered-account room. If several people in the household have TFSAs, RRSPs or FHSAs, keep that part right with CRA My Account, your accountant, or Looniee alongside your main tracker. The free contribution room calculators need no account.
What we'd do today
- List every asset and who owns it, including entities and anything without a ticker. That list decides whether you need Kubera's depth or a simpler tracker.
- List the institutions you'd want synced, and check them during a trial before you pay for a year.
- Decide who else needs access (a spouse, an accountant, an executor) and pick a tracker whose sharing fits.
- For the registered accounts, check each person's room in CRA My Account and keep it current; a tracker that works room out per person, like Looniee, can sit alongside your main one.
Questions
- Does Empower (Personal Capital) work in Canada?
- Not for linking Canadian accounts. Empower's support page says it currently only supports U.S.-based financial institutions for linked accounts, and that you need a valid U.S. phone number to sign up. Non-US accounts can only be added manually.
- Is Kubera available in Canada?
- Kubera's homepage lists Canadian exchanges among those it covers, and it publishes a blog post about Canadian use, but there's no Canada-specific page or list of Canadian institutions. Its pricing is in USD. Use the trial to check your institutions connect.
- Which tracker handles a holding company or trust?
- Kubera has ownership tags and nested portfolios on its Black plan, and Wealthica lets you assign accounts to groups such as family members and trusts. Looniee doesn't model entities; each account has one owner.
- Do any of these track the T1135 foreign property threshold?
- Looniee Plus includes a T1135 check that tracks the cost of foreign property against the reporting thresholds. We didn't find T1135 features documented by Kubera, Wealthica or Monarch. AdjustedCostBase.ca also offers a T1135 assistant on its Premium plan. Confirm anything you file with your accountant.
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.
