Built for Canadian investors
Know what you own, what it earns, and when you can retire
Apis Financial tracks your registered and non-registered accounts in Canadian dollars, follows your dividend income, measures you against the market, and turns it all into a retirement plan that keeps tax and OAS clawback as low as possible.
Free plan covers one account and ten holdings. No card needed.
Every Canadian account type
TFSA, RRSP, Spousal RRSP, LIRA/LRSP, RESP, RDSP, FHSA, non-registered and corporate — held in CAD or USD, totalled in Canadian dollars.
A ledger that does the math
Adjusted cost base on every purchase, realized gains on every sale, plus money-weighted and time-weighted returns.
Dividend income tracking
Forward annual income, portfolio yield, yield on cost, twelve months of payments received and a ten-year compounding projection.
Honest benchmarking
Compare against the S&P 500, the TSX Composite or a global all-equity fund using your exact deposit dates and amounts.
Retirement planning in today's dollars
CPP and OAS from your own earnings history, forced RRIF and LIF minimums, clawback protection and a year-by-year withdrawal plan.
Statement reading
Drop a statement, CSV or screenshot and have the transactions drafted for you to check before anything is saved.
Simple pricing
Start free and stay free for a single account. Pro removes every limit for about the price of a coffee a year.
Free
$0
Forever
- One account
- Up to ten holdings
- Ledger, dividends, performance
- Retirement plan with standard assumptions
- Type transactions in by hand
Pro
Most useful$1/month
or $10 a year · cancel any time
- Unlimited accounts and holdings
- Upload statements for AI reading
- Full control of the retirement planner
- Couple planning with spouse benefits
- Everything in Free
| What you get | Free | Pro |
|---|---|---|
| Accounts | 1 | Unlimited |
| Holdings | 10 | Unlimited |
| Ledger, adjusted cost base and returns | ||
| Dividends and the ten-year compounder | ||
| Benchmarking | ||
| Retirement plan and withdrawal schedule | ||
| Upload a statement for AI reading | ||
| Change retirement age, CPP and OAS start dates | ||
| Change inflation, growth and life expectancy | ||
| Couple planning and manual balance override |
See your retirement date, not just your balance
Add your accounts and Apis Financial does the rest — in today's dollars, with Canadian tax rules built in.
Start free