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Registered AccountsRRSP, TFSA & FHSA — tracked correctly
Know exactly how much contribution room you have, which account to fill first for your goal, and how each dollar reduces your tax bill.
Why Canadians choose CanVest over a generic app
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All 13 provinces
Tax brackets and marginal rates for every Canadian province and territory — not just federal estimates.
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RRSP, TFSA & FHSA
Tracks contribution room, optimizes which account to use first based on your goal and income.
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Debt avalanche built in
Automatically prioritizes your highest-rate debt to minimize interest paid over time.
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Monthly allocation plan
Turns your income minus bills into a concrete plan: pay X here, save Y there, keep Z as buffer.
Works with all major Canadian banks, brokerages & tax documents
RBC
TD
Scotia
BMO
CIBC
NBC
Tangerine
EQ Bank
Wealthsimple
Questrade
CI Direct
Desjardins
+ 30 more
Supported tax documents
T4Employment income
NOACRA notice
T5Investment income
RRSP receiptContribution room
T4AOther income
FHSAHome savings
Product overview
Everything in one place.
Explore each section of CanVest — built specifically for how Canadian finances actually work.
app.canvest.ca/dashboard
Your full financial picture, every day.
Net worth, cash flow, investments, and goals — all on one screen. Updated in real time as your accounts change.
How it works
Set up once. Stay on top every month.
Start with the essentials, connect the rest in sequence, and let CanVest turn it into one clean financial operating picture.
01
Connect your money foundation
Add your day-to-day accounts first, then connect your investing accounts so the rest of the product starts from real balances instead of scattered inputs.
Accounts first, investments second, advanced tools hidden until needed
02
Import tax context and build the plan
Upload tax documents, set income and expenses, choose goals, and let CanVest assemble one clear plan instead of making you bounce between calculators.
Tax Vault feeds Planning with RRSP, TFSA, FHSA, and filing context
03
Finish in AI Advisor
The final setup step turns everything you connected into one prioritized action list, so the first thing you see is what to do next, not where to click.
One advisor, one dashboard, one next move
What’s inside
Built for Canadian money, end to end
Every feature understands how Canadians earn, save, borrow, and pay taxes — not a US product patched for Canada.
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Canadian TaxProvince-aware tax estimates
Marginal rates for all 13 provinces and territories, CPP/QPP and EI/QPIP payroll, RRSP/FHSA refund projection, and capital gains — not US tax math.
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Debt StrategyDebt avalanche, built in
Prioritize your highest-rate debt automatically. See how extra payments compress your payoff date and cut total interest — side-by-side.
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GoalsEvery goal gets a monthly number
Home down payment, emergency fund, early retirement — CanVest calculates the exact monthly amount and tells you when you're off track.
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Tax VaultUpload once. CanVest reads the rest.
Drop in your NOA or T4 and CanVest extracts income, RRSP room, and refund estimates automatically. No manual entry, no guessing.
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Scenario PlanningWhat-if without the spreadsheet
Change your income, add debt, shift goals — CanVest recalculates your full plan instantly so you can compare outcomes before committing.
Inside the app
Four tools. One Canadian financial picture.
Every feature connects — your tax context feeds the AI, your goals drive the plan, your net worth updates automatically.
AI Advisor
A financial advisor built for Canada, in your pocket
Answers questions with full context — your income, province, RRSP/TFSA/FHSA room, goals, and tax history. No generic US advice.
Recent insights from your AI Advisor
RRSP deadline
You have $14,200 RRSP room — contribute before Feb 28 to reduce taxes this year.
TFSA opportunity
Your TFSA has $6,500 contribution room. Move emergency fund here from savings.
Home goal
At your income, FHSA beats RRSP by ~$920/yr for the home purchase goal.
Tax Vault
All your tax documents. Organized.
Upload a NOA or T4 and CanVest extracts your income, RRSP room, and refund estimates automatically.
📋Notice of Assessment 2023
Processed🏢T4 — Employment 2023
Processed🏦RRSP Receipt — 2024
PendingNet Worth
Watch your wealth build month by month
Net Worth
$41,820
DecJul
Goals
Stay on track without spreadsheets
CanVest tracks progress toward every goal and alerts you when you can accelerate.
Home down payment62%
Target: $80,000
Emergency fund88%
Target: $18,000
RRSP maxed by 4034%
Target: $120,000
Early users
What Canadians are saying
“I finally know exactly how much RRSP room I have and whether I should use RRSP or TFSA this year. No spreadsheet, no guessing — CanVest told me in plain language.”
AK
Aisha K.
Registered Nurse · Alberta
“I finally understand my RRSP vs TFSA trade-off. CanVest laid it out in plain language based on my actual income — no generic advice.”
PK
Priya K.
Software engineer · Ontario
“The tax vault extracted my NOA and told me exactly how much RRSP room I had left. Took 30 seconds. I've been guessing for years.”
MT
Marc T.
Self-employed · Québec
“I'm a recent grad with student debt. CanVest built me a clear debt-payoff plan and showed me when I'd actually have room to start saving.”
JM
Jess M.
New grad · BC
Mobile-ready
Your financial picture, anywhere.
CanVest works on any device. Check your net worth, review goals, and act on AI recommendations — from your phone, tablet, or desktop.
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Net worth at a glance
Your full financial picture in one tap — assets, debts, investments, goals.
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Timely reminders
RRSP deadline approaching? Tax doc ready? CanVest tells you when to act.
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Ask anything, anywhere
Your AI advisor is always available to answer questions in plain language.
Try it freeNo app download required
Built to be trusted
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Your data is isolated
Only you can see your data. Your account is completely separated from all other users — nothing crosses over.
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No credential storage
CanVest never stores your banking username or password. Third-party bank connections use read-only tokens.
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Made in Canada
Built for Canadian privacy laws and data norms. We are not a US company retrofitted for Canada.
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Educational use only
CanVest provides planning tools, not investment advice. Always verify important decisions with a licensed professional.
Pricing
Start free. Upgrade when it clicks.
Manual tracking starts on Free, unlimited manual investing lives on Pro, and linked institutions plus AI arrive on Pro+.
Free
$0
Start with manual Canadian finance tracking and upgrade only when you need more room.
- 2 bank or debit accounts
- 1 investment account
- 2 liability or credit accounts
- 1 financial goal
- 1 saved scenario
- Manual accounts only
- No linked institutions or AI insights
- Canadian tax-aware plan
Pro
$10/mo
Unlimited manual tracking for people who want deeper planning without linking institutions yet.
- Unlimited manual accounts and liabilities
- Unlimited manual investments entered manually
- Unlimited saved scenarios
- Manual portfolio planning tools
- No linked institutions
- No AI insights
- Priority support
Pro+
$25/mo
Connected wealth operating system with linked institutions and AI across your financial data.
- Investment accounts via SnapTrade — live today
- Wealthsimple, Questrade, RBC Direct Investing, and more
- Bank account sync via Plaid/MX — coming soon
- Credit card and loan linking — coming soon
- AI insights, portfolio analysis, and recommendations
FAQ
Common questions
Why not just use Mint, YNAB, or a spreadsheet?
Mint and YNAB are built for the US market — they don't understand RRSP, TFSA, FHSA, provincial tax brackets, CPP/QPP, EI/QPIP, or Canadian debt strategies. Spreadsheets are flexible but manual and easy to get wrong. CanVest is built specifically for how Canadian finances work.
Does CanVest connect to my bank?
Free and Pro keep your setup manual. Pro+ enables linked institutions, including supported brokerages today and Canadian bank integrations as their connectors go live.
Is my financial data secure?
Yes. Your data is stored securely and isolated to your account — no other user can access it, and nothing crosses between accounts. We do not store banking credentials. All data is encrypted in transit and at rest.
How does the monthly plan actually work?
You pick a strategy (Aggressive Debt, Balanced, Tax Optimized, or Home Purchase). CanVest takes your monthly income, subtracts fixed bills and minimum debt payments, then allocates the remainder across your goals in priority order. You can adjust strategy any time.
Are the tax estimates accurate?
They are estimates, not a tax return. CanVest calculates your marginal rate based on your province and gross income, estimates RRSP and FHSA refund impact, and reflects payroll assumptions like CPP/QPP and EI/QPIP. For your actual filing, use a tax professional or CRA My Account.
Can I use CanVest if I have no debt?
Absolutely. The debt features are optional. Many users primarily use CanVest for registered account optimization — figuring out whether to fill RRSP or TFSA first, tracking FHSA room, and planning how to hit their savings goals faster.
What's the difference between Free and Pro?
Free gives you 2 bank or debit accounts, 1 investment account, 2 liability or credit accounts, 1 financial goal, and 1 saved scenario with manual-only tracking. Pro removes the manual limits and supports unlimited manual investments entered by hand. Pro+ adds linked institutions, supported brokerages and banks, plus CanVest AI insights.
Your money should have a plan.
Set up takes 5 minutes. You'll know more about your financial position today than most Canadians know all year.