Everything you own. One honest number.
Every account in one place, the truth about whether your holdings actually kept up with the index, one short list of what needs you today, and a plan that knows when the money runs out.
CompoundWise replays every buy and sell you ever made, dollar-for-dollar, on the same dates, into your policy mix, XEQT or SPY. The twin’s value today against yours is how far ahead of or behind the index you are — a gap, not a measure of skill. No estimates. No AI. Just your own ledger, run twice.
Three lenses, because one is misleading: your money-weighted return (what your dollars actually earned), the benchmark twin (the dollar gap), and a time-weighted curve with deposit timing stripped out. The scope is printed on the panel — holdings only, dividends reinvested in the index on both sides, the same rule applied to both.
Sometimes the honest answer is that the index won. You should be told.
Example portfolio · illustrative figures, not a result
The twin is ahead by $4,120. That is how far behind simply buying the index you are — the gap, not a measure of skill.
Built around Canadian accounts, not adapted to them.
A US tool has one kind of account. You have several, and which one a holding sits in changes what you keep.
Every Canadian account
See everything you own across all your accounts at once, or one account at a time.
19 account types — TFSA, RRSP, Spousal RRSP, FHSA, RESP, RDSP, RRIF, LIF, LIRA, joint, corporate and the rest.
Cost base, computed for you
The app works out what the taxman thinks you paid, by replaying every trade in order.
Weighted-average ACB per ticker and account — the CRA standard, not US FIFO.
Broker sync, read-only
Connect your brokerage and your holdings come across on their own.
Read-only and revocable. The connection cannot place an order or move money.
Transfers that know the tax
Move a holding between your own accounts and the right rule is applied automatically.
Taxable → TFSA or RRSP is a deemed sale at market value; the gain is real and a loss is denied.
Prices and FX that update themselves
Prices refresh through the trading day and US dollars are converted to Canadian ones.
US names about every two minutes in market hours from a single-exchange (IEX) feed, Canadian names about every 30 minutes; USD→CAD at the latest fetched rate. Delayed, not real time.
Household view
You and your spouse can see your money combined without sharing a password.
Consent-based, and the scope is validated on the server — a forged one can never surface a stranger's data.
The numbers most tools round in your favour.
The benchmark twin
Replays every buy and sell you ever made, on the same dates, into an index fund — and shows the gap in dollars.
Your own policy mix, XEQT or SPY, dollar-for-dollar. Almost no retail tool will tell you this.
Three return lenses
One number for what your dollars earned, one for the dollar gap against the index, one with your timing stripped out.
Money-weighted (XIRR), the twin's dollar gap, and a time-weighted curve against the index — a difference, not a measure of skill. Nothing under a year is annualised.
Scope printed on the panel
It tells you what it left out, instead of quietly rounding it away.
Holdings only; dividends treated the same on both sides — reinvested in the index from the day they were paid.
Risk X-Ray
Reveals that fourteen stocks which all move together are really only about four real bets.
Effective number of independent bets, from the correlation matrix — not a weight pie chart.
What a crash would do
Shows the damage before one happens, in your dollars.
−10 / −20 / −30 / −50% scenarios, beta-weighted on your invested holdings — cash is not shocked — with the effect on your goals.
Every trade, with its gain
Each sale records the gain the CRA cares about, in Canadian dollars.
(sell price − ACB per share) × shares × the FX rate on the day.
No wall of flashing tickers. One ranked list of the few decisions that actually need a human — fused from the signal engine, the tax audit, your goals and your concentration limits. When the list is empty, the ring is calm and green, and you close the tab.
Every card has an Act button that deep-links into the pre-filled trade, the Tax Centre or the rebalance plan. No hunting.
One rule firing on five holdings is one card naming all five — a list of decisions, not an echo.
Dismiss is a 30-day snooze, not a mute so a SELL you waved off that still fires next month comes back.
Three decisions are waiting.
76% of your money is in US dollars and the loonie is firming — every 1% CAD rise trims about $1,125 of your value.
US dividends are losing 15% to IRS withholding here. An RRSP is treaty-exempt.
Trim ~20% — sell ~15 shares (~C$4,100) → ~7.2% weight.
Harvestable loss of $610. Safe to sell today; repurchase blocked until 12 Oct.
Example cards · illustrative figures. Buy, sell and trim cards come from the rule engine, never from AI. Structural suggestions from your AI tax audit are labelled as such.
A retirement plan that uses the real rules.
Everything in today's dollars, every tax constant read from one config kept by tax year, and every formula locked by a test.
Goals that count contributions
A target that looks impossible on today's balance stops looking impossible once your monthly saving is counted.
A goal needing ~41%/yr on the balance alone can need ~8%/yr once contributions are included.
Sustainable spend
The middle case: what you can spend every year if returns average the plan's rate every year.
Annuity math on the pot projected at retirement, net of your funds' fees, landing at zero at your FP Canada planning horizon — not the 4% rule. With a spending target set, the panel also shows how often it lasts and the spend that lasts in 90% of simulations.
Will it survive?
Runs your retirement a thousand times, from the pot you're projected to have at retirement, to see how often the money lasts.
1,000 simulated lifetimes, volatility from your actual mix, fixed seed so the odds never flicker.
Bridge years
Names the risky gap between retiring and your pension starting.
Retire at 60 with CPP at 70 and the portfolio carries everything alone for a decade.
An investment policy, with a band
Decide how much belongs in stocks, bonds and cash — then get told when you drift out of it.
Target must sum to 100, drift band ±1–15pp. A breach is strictly outside the band, not on its edge.
A risk quiz that caps you
Five questions suggest a mix — and your capacity overrules your bravery.
Money needed within 3 years caps at Conservative regardless of the answers. Tested over all 1,024 combinations.
Take CPP at 60, or wait until 70?
The answer is a date, not an opinion. Move the sliders.
This is the reference case. Move the slider to compare against it.
CPP adjustment factors are the statutory ones — 0.6% off per month before 65, 0.7% on per month after — applied to the estimate you enter, in today’s dollars, ignoring tax and the OAS clawback. The app runs the same factors against your real Service Canada figure and carries both through the retirement plan.