Total Net Worth
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Total Assets
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Total Liabilities
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Unrealised Gain
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Today's P&L
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USD/CAD—
HELOC Rate4.650%
Mortgage Rate3.750% fixed
MaturityMar 2029
Px SourceYahoo Finance via AI
ASSETS
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Cash & Banking—
TD Chequing (Main)
Chequing · CAD
CA$23,150.20
TD Savings
Savings · CAD
CA$51,342.98
Subtotal · Cash—
Real Estate—
Primary Residence
Primary residence · Estimated market value
↓ editable
CA$
▼ Investment Portfolio —
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Subtotal · Investments—
LIABILITIES
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Mortgage · TD CréditFlexCA$1,361,386.50
Term Mortgage
Fixed 3.750% · Due Mar 2029
CA$1,361,386.50
$7,050.66/mo
HELOC Balance
Variable 4.650% · $1,787,500 limit
CA$0.00
$1,787,500.00 available
Subtotal · MortgageCA$1,361,386.50
Real Estate Equity
Home Equity
Market value minus mortgage outstanding
—
—
HELOC Available
Undrawn revolving facility
CA$1,787,500.00
of $1,787,500 limit
Monthly Debt Service
Term Mortgage Payment
Due Apr 02/26
CA$7,050.66
HELOC Interest
$0 balance — no interest accruing
CA$0.00
Total Monthly Debt ServiceCA$7,050.66
* USD tickers (SLVP, PICK, QQQ, VOO, URA) converted to CAD at live USD/CAD rate.
* Home value is editable — update the field and net worth recalculates instantly.
* Mortgage data as of Mar 31, 2026 statement · TD CréditFlex
* Home value is editable — update the field and net worth recalculates instantly.
* Mortgage data as of Mar 31, 2026 statement · TD CréditFlex
Investment Holdings Detail
FETCHING...
| Ticker | Shares | Avg Cost | Live Price | Day Chg | Market Value | Cost Basis | Gain / Loss $ | Gain / Loss % | % Portfolio | % Assets |
|---|---|---|---|---|---|---|---|---|---|---|
| Fetching live prices via AI... | ||||||||||
Asset Allocation
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Portfolio Weights
Unrealised Gain / Loss %
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1D
1W
1M
3M
6M
YTD
1Y
2Y
3Y
4Y
5Y
Period Return
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Period Return CAD
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Local Ccy. Return
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FX Impact
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Volatility (Ann.)
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Best Day
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Worst Day
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Portfolio Value
Portfolio
S&P 500, indexed
Loading performance history...
Contributors to Return
| Ticker | Weight | Period Ret. | Contribution |
|---|---|---|---|
| — | |||
Sector Performance
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Currency Impact by Position
USD-Denominated Only
| Ticker | Local Ccy. Return | FX Return | Total Return | FX Contribution |
|---|---|---|---|---|
| — | ||||
* Reconstructed from historical daily closes using your current share counts held constant over the period — doesn't account for trades or DRIP additions within the window.
* Contribution = position weight at period start × its period return; contributions sum to the portfolio's total period return.
* Local Ccy. Return isolates price movement with FX held at the period's starting rate; FX Return is the residual — the two sum to each position's Total Return. FX Impact (KPI above) is the same split rolled up to the whole portfolio.
* Contribution = position weight at period start × its period return; contributions sum to the portfolio's total period return.
* Local Ccy. Return isolates price movement with FX held at the period's starting rate; FX Return is the residual — the two sum to each position's Total Return. FX Impact (KPI above) is the same split rolled up to the whole portfolio.
Sector Exposure · Look-Through
Issuer sector weights × position market value
Loading sector data...
Bank Connections
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TD Canada only (via Plaid) — deposit accounts and transactions. Credit card and mortgage aren't reachable via Plaid for Canadian banks, so those use statement upload below.
| Account | Type | Balance | As Of |
|---|---|---|---|
| No bank accounts connected yet | |||
Recent Transactions
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Combines Plaid-synced bank transactions and parsed statement uploads (e.g. the credit card). "Sync" only refreshes the Plaid side — statement transactions appear as soon as they're uploaded.
| Date | Account | Description | Category | Amount |
|---|---|---|---|---|
| No transactions synced yet | ||||
Needs Categorization
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Runs merchant-matching rules against anything uncategorized. Picking a category below saves instantly and also creates a rule, so similar transactions auto-categorize next time.
| Date | Account | Description | Amount | Category | |
|---|---|---|---|---|---|
| Loading... | |||||
Statement Upload
READY
Drop a statement here, or click to browse
PDF or CSV · 25 MB max · CSV statements for the TD Credit Card account are parsed automatically
| Filename | Status | Uploaded | Period | |
|---|---|---|---|---|
| Loading upload history... | ||||
Filter Categories
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Total Income
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Total Expenses
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Net Cash Flow
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Uncategorized
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Top Merchants
TOP 10 BY SPEND
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Category Breakdown
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| Category | Total | % of Expenses | |
|---|---|---|---|
| — | |||
Category by Month
| — |
* Excludes "Card Payments/Transfers" — that's money moving between your own accounts (paying off the credit card, internal transfers), not real spending or income.
* Income currently covers Dividends and Interest only — no payroll income is tracked yet, so net cash flow will show negative. That's expected, not a bug.
* Uncategorized transactions are excluded from every total below until you categorize them on the Statements page.
* Income currently covers Dividends and Interest only — no payroll income is tracked yet, so net cash flow will show negative. That's expected, not a bug.
* Uncategorized transactions are excluded from every total below until you categorize them on the Statements page.
This Month
Budgeted Income
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Actual Income
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Budgeted Expenses
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Actual Expenses
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Income
PROJECTED FROM SCHEDULE
| Category | Projected | Actual | Progress |
|---|---|---|---|
| — | |||
Income Schedule
| Category | Holding | Label | Amount | Frequency | Start | End | |
|---|---|---|---|---|---|---|---|
| Loading… | |||||||
Expenses
SPENDING CAP PER MONTH
| Category | Target | Actual | Progress |
|---|---|---|---|
| — | |||
Trends
12-Month Projection
Projected Income
Budgeted Expenses
Net
Income comes from the schedule below (so it reflects real start/end dates — e.g. a contract ending). Expenses assume your current targets hold steady each month until you change them. Click a bar for the calculation behind it.
Projected Running Surplus
Cash balance
Starts from your actual current chequing + savings balance and adds each month's projected net (income minus budgeted expenses) going forward. Click a point for the running math.
Actual vs. Budgeted Expenses
Budgeted
Actual (over)
Actual (under)
Built from real Statements transactions, compared against today's expense targets held constant across the window (not what the target was at the time, if it's changed since). Click the Actual bar for the category breakdown.
* Expense targets are set by hand, not auto-suggested from history — the current transaction history is dominated by the move-in/renovation and isn't representative of ongoing spending. Type a number into any Target cell and press Enter or click away to save; leave it blank to stop tracking that category.
* Income is projected from the Income Schedule below rather than a flat target — add, amend, or end (set an End Date) a source any time salary or other recurring income changes.
* Dividend income is shown net of a flat 25% estimated tax (a rough placeholder, not precise). Salary and Interest are shown net of estimated Quebec + federal income tax, using 2026 brackets and the Quebec federal abatement — each source's own annualized amount determines its effective rate; this doesn't combine sources into one household bracket walk, doesn't include CPP/QPP/EI, and isn't a substitute for a real tax calculation.
* Months before you set a target aren't graded red/green against it — only actual spend is shown.
* "Card Payments/Transfers" is excluded — it's money moving between your own accounts, not real income or spending.
* Income is projected from the Income Schedule below rather than a flat target — add, amend, or end (set an End Date) a source any time salary or other recurring income changes.
* Dividend income is shown net of a flat 25% estimated tax (a rough placeholder, not precise). Salary and Interest are shown net of estimated Quebec + federal income tax, using 2026 brackets and the Quebec federal abatement — each source's own annualized amount determines its effective rate; this doesn't combine sources into one household bracket walk, doesn't include CPP/QPP/EI, and isn't a substitute for a real tax calculation.
* Months before you set a target aren't graded red/green against it — only actual spend is shown.
* "Card Payments/Transfers" is excluded — it's money moving between your own accounts, not real income or spending.