Know what you actually own,
and what you actually keep.
Start free, no credit card. Free covers the research. Premium adds three things that are hard to get anywhere else:
- What you keep after tax, by account type and province.
- Your real cost base, with return of capital and reinvested distributions.
- What is underneath the funds, resolved to the companies at the bottom.
Free is the whole research surface. Premium is the tax and depth layer.
Both plans include the ETF directory and filters, every fund report page, Decode Engine look-through to the companies underneath, estimated gross exposure on leveraged funds, and ETF Report Cards with this year's tax character.
The table below is only where the two differ. Every row is a live limit, not a plan description. Coverage varies by fund.
Research and compare
Side-by-side comparison
Holding-period outcomes
Recurring yield, for income funds
After-tax figure by account type
Tax-character history across filing years
Income trend, and dividend raises and cuts from the companies held
Backtest Studio
Backtest a basket
Two baskets head to head
Regular contributions and rebalancing
Income, withdrawal, and the window you test
Saved backtests
Exposure Builder
Baskets returned for a target exposure
Geography and sector together
Tilts, themes, and the optimized basket with its fit receipt
Portfolio Tracker
Portfolios
Cost base
After-tax income and yield
Portfolio X-Ray
Drift against your targets
Since-last-visit digest and What-If benchmark replay
| What you get | Free$0No credit cardStart free | Premium$9per month, CADor $60/year, save 44% |
|---|---|---|
| Research and compare | ||
| Side-by-side comparison | 3 funds | 10 funds |
| Holding-period outcomes | One year | 1, 3, 5 and 10 years |
| Recurring yield, for income funds | ||
| After-tax figure by account type | TFSA | TFSA, RRSP, non-registered, by province |
| Tax-character history across filing years | This year | Every year on file |
| Income trend, and dividend raises and cuts from the companies held | Included | |
| Backtest Studio | ||
| Backtest a basket | 5 ETFs, 10 runs a month | 20 ETFs, unlimited runs |
| Two baskets head to head | 3 a month | Unlimited |
| Regular contributions and rebalancing | Included | |
| Income, withdrawal, and the window you test | One year, preset dates | Full window, any dates |
| Saved backtests | Up to 50 | |
| Exposure Builder | ||
| Baskets returned for a target exposure | 1 | The 3 closest |
| Geography and sector together | 3 a month, then one at a time | Unlimited |
| Tilts, themes, and the optimized basket with its fit receipt | Included | |
| Portfolio Tracker | ||
| Portfolios | 1, up to 25 holdings | 5, with an all-accounts rollup |
| Cost base | Average cost | ACB with return of capital and T3 |
| After-tax income and yield | By account type and province | |
| Portfolio X-Ray | Top sectors snapshot | Overlap, top names, bond and risk |
| Drift against your targets | Concentration watch | Allocation targets, 5 dimensions |
| Since-last-visit digest and What-If benchmark replay | Included | |
Cost-base, distribution, and tax coverage applies to supported Canadian-listed ETFs. Check if your holdings are supported. Look-through coverage is available for both Canadian and US-listed ETFs.
What changes between Free and Premium?
Free covers the research: the ETF universe, look-through, ETF Report Cards, one-year holding-period outcomes, a 5-ETF backtest, one Exposure Builder basket, and one portfolio with average cost. Premium adds the tax and depth layer: ACB with return-of-capital and T3 adjustments, after-tax estimates by account and province, multi-account tracking, two-basket backtests with contributions and rebalancing, the 3 closest Exposure Builder baskets, and the full recurring yield history.
How are the ACB and tax numbers worked out?
Every figure shows the math behind it, so you can check it line by line. Return of capital and reinvested distributions are accounted for on supported Canadian-listed ETFs; coverage varies by fund. It is for tracking and research, not a replacement for your broker's tax slips.
How do I know if my ETFs are covered?
Enter your tickers in the coverage check to see whether we have T3 tax data and how much distribution history exists for each fund. Tax data covers Canadian-listed ETFs only.
Can I cancel anytime?
Yes, anytime from your account page. Your data stays and you move back to Free.
Start free, upgrade for depth.
No credit card to start. $9 CAD per month, or $60 per year. Cancel anytime.