Built for TFSA, RRSP & FHSA — not bolted on.
EveryToonie tracks TFSA, RRSP, and FHSA room natively, consolidates your real net worth across every account you hold, and never asks you to link a bank account to get started.
Everything a Canadian money tool should have
Manually entered or imported by CSV — no fragile bank connections required to get the full picture.
Native registered accounts
TFSA, RRSP, FHSA, RESP, and non-registered are real, distinct account types — each tracked and calculated on its own terms.
Contribution room tracking
CRA My Account only updates once a year, months behind — TFSA each spring, RRSP and FHSA after you file. EveryToonie tracks your real room as you go, so you never eat the 1%-a-month overcontribution penalty.
Real net worth
Registered + non-registered + real estate + debt, consolidated into one number — with a running trend line, not just a snapshot.
Budgeting that stays simple
Log income and expenses at whatever cadence they actually hit your account — EveryToonie normalizes everything to a monthly figure automatically.
Debt payoff planning
Avalanche or snowball, with a real month-by-month projection — interest paid, payoff order, and your debt-free date.
CPP/OAS-aware retirement outlook
A retirement projection that actually accounts for the government benefits Canadians receive, instead of pretending they don't exist.
Why EveryToonie
Every part of EveryToonie is built around how Canadian registered accounts actually work.
Where EveryToonie is headed
We're building the data model right first, so the features that come later — like bank sync — sit on a foundation that actually understands Canadian accounts.
Manual & CSV entry
Net worth, budgeting, debt payoff, contribution room, and retirement outlook — all working today, no bank connection needed.
Bank sync
Automatic account syncing via Canadian-first aggregators, with manual entry always kept as a fallback.
ACB & capital gains
Adjusted cost base tracking for non-registered accounts, so tax time stops being a spreadsheet project.
Goals & investment performance
Track progress toward specific goals and see how your holdings are actually performing over time.
Your money, your accounts, your browser.
No signup, no bank linking, nothing sent to a server. Start tracking in under a minute.
Open EveryToonie — it's free