TrackWorth vs Wealthica for Canadians
An honest comparison of TrackWorth and Wealthica -- pricing, features, privacy, and multi-currency. Which Canadian net worth tracker is right for you?
TrackWorth and Wealthica are both Canadian-made financial tools, but they take fundamentally different approaches to tracking your money. Wealthica focuses on automatic bank syncing and portfolio aggregation. TrackWorth focuses on privacy-first manual tracking with multi-currency support and financial planning tools.
This comparison is meant to be fair. Both apps serve different needs, and the right choice depends on what matters most to you — convenience or privacy, automation or control.
Wealthica at a glance
Wealthica is a Canadian financial aggregator that connects to over 100 Canadian financial institutions — banks, brokerages, and pension plans. Once connected, it automatically pulls your balances, transactions, and portfolio holdings into a single dashboard. It is well-suited for investors who want to see all of their accounts in one place without manual data entry.
- Automatic syncing with 100+ Canadian institutions
- Canadian-made with strong portfolio analysis tools
- Add-on marketplace for extra features
- Requires sharing bank credentials for core functionality
- Free tier is limited — premium runs about $15/month
- Limited multi-currency support beyond CAD and USD
TrackWorth at a glance
TrackWorth is a privacy-first net worth tracker that does not require any bank connection. You enter your asset and liability balances manually, and the app handles live exchange rates across 20+ currencies, net worth history, financial goal tracking, a FIRE calculator, and budget tracking. It is built and hosted in Canada with data stored on Canadian servers.
- No bank login required — your credentials stay with you
- 20+ currencies with live FX rate conversion
- FIRE calculator, budget tracking, and goal setting included
- Free tier covers 5 assets and 5 liabilities — permanently free
- No automatic bank syncing — balances entered manually
- No automatic transaction import
Side-by-side comparison
| Feature | Wealthica | TrackWorth |
|---|---|---|
| Price | ~$15/month premium | Free tier + Pro option |
| Bank connection | Required (100+ institutions) | Not required |
| Multi-currency | Limited (CAD/USD focus) | 20+ currencies with live FX |
| FIRE calculator | No | Yes |
| Budget tracking | No | Yes |
| Data location | Canada | Canada |
| Free tier | Limited features | 5 assets + 5 liabilities |
When to choose Wealthica
Wealthica is a strong choice if automatic bank syncing is your top priority. If you have accounts spread across multiple Canadian banks and brokerages and want all of them pulled into a single dashboard without manual entry, Wealthica handles that well. It is particularly good for investors who want portfolio-level analysis — sector breakdowns, dividend tracking, and performance metrics.
You should be comfortable sharing your bank credentials through their aggregation service. This is standard practice for financial aggregators, but it is a trade-off that not everyone is willing to make. If convenience matters more than keeping your login details completely private, Wealthica delivers on that.
When to choose TrackWorth
TrackWorth is the better fit if you want to track your finances without sharing bank credentials. Manual entry takes a few minutes each month, and in return you never expose your bank login to a third party. If you hold assets in multiple currencies — USD stocks, GBP property, EUR savings — TrackWorth handles that natively with live exchange rates.
TrackWorth also includes financial planning tools that Wealthica does not offer: a FIRE calculator for early retirement planning, budget tracking, and goal setting with progress bars. If you want more than just a portfolio view — if you want a complete picture of your financial health — TrackWorth covers more ground.
The free tier is genuinely usable. You can track up to 5 assets and 5 liabilities without paying anything, and it is permanently free — not a trial that expires.
The bottom line
- Choose Wealthica if you want hands-off automatic syncing and do not mind sharing bank credentials. It is excellent for portfolio aggregation.
- Choose TrackWorth if you want privacy-first tracking, multi-currency support, FIRE planning, and a free plan that actually works.
- Both are Canadian-made and store data in Canada — so either way, your financial data stays under Canadian privacy law.
If you are still exploring your options, see our broader comparison of the best personal finance apps for Canadians.