Built for Canadian investors
Know what you own, what it earns, and when you can retire
Apis Financial tracks your registered and non-registered accounts in Canadian dollars, follows your dividend income, measures you against the market, and turns it all into a retirement plan that keeps tax and OAS clawback as low as possible.
No card needed. Everything is free. Pro ($10 a year) covers AI statement reading — the one thing that costs us to run.
No sign-in needed
Did you beat XEQT?
Put in up to 5 of your biggest holdings and see how $10,000 would have grown against Canada's all-in-one funds and the S&P 500 — in Canadian dollars, with distributions reinvested.
Canadian listings end in .TO. Leave the percentages blank to split evenly.
Include dividends
Total return
The idea behind Apis
Build your reserve while the days are good.
Bees spend their days gathering and building. The honey they store is what gives the hive a reserve when it is needed. Apis Financial follows the same simple idea: keep track of what you have built, understand how it can grow, and make a plan for the years when you will live from it.
Your financial hive
Your accounts are the cells. Your investments are the reserve. The plan is what helps you decide how and when to draw from it.
Every Canadian account type
TFSA, RRSP, Spousal RRSP, LIRA/LRSP, RESP, RDSP, FHSA, non-registered and corporate — held in CAD or USD, totalled in Canadian dollars.
A ledger that does the math
Adjusted cost base on every purchase, realized gains on every sale, plus money-weighted and time-weighted returns.
Dividend income tracking
Forward annual income, portfolio yield, yield on cost, twelve months of payments received and a ten-year compounding projection.
Honest benchmarking
Compare against the S&P 500, the TSX Composite or a global all-equity fund using your exact deposit dates and amounts.
Retirement planning in today's dollars
CPP and OAS from your own earnings history, forced RRIF and LIF minimums, clawback protection and a year-by-year withdrawal plan.
Statement reading
Drop a statement, CSV or screenshot and have the transactions drafted for you to check before anything is saved.
HELOC investing tracker
Track a readvanceable mortgage and HELOC pair: re-borrowed principal, per-draw tax tracing, deductible interest for line 22100, and the investment performance behind it.
Debts and net worth
Mortgages, HELOCs and loans in one place with a payoff-vs-invest comparison, plus liquid vs illiquid net worth over time.
Investment properties
Rental income, expenses and capital reserves per property, with a keep-or-sell comparison against your equity.
FIRE calculator
Classic and Coast FIRE: find your financial-independence date and what your portfolio needs to cover spending without work.
Savings allocation waterfall
A year-by-year waterfall that fills your TFSA, RRSP and non-registered accounts in the right order, using the withdrawal tax rate derived from your own retirement projection.
Withdrawal strategy optimizer
Compare withdrawal sequences — registered-first, tax-targeted meltdown and more — to keep lifetime tax and OAS clawback as low as possible.
Family and household tracking
Track accounts for the whole household, split pension income between spouses, and plan retirement together.
Asset location
See which investments sit in which account type, so the right assets land in the right tax home.
Doing the Smith Manoeuvre? Read our Canadian guide to tax-deductible mortgage interest.
Simple pricing
Everything in Apis Financial is free. Pro ($10 a year) covers AI statement reading — the one thing that costs us to run.
Free
$0
Forever
- Unlimited accounts, holdings and transactions
- Ledger, dividends, performance and benchmarking
- The full retirement planner
- HELOC investing tracker
- CSV imports
Pro
$10/year
Optional · cancel any time
- Everything in Free
- AI reads PDF statements and screenshots
- Transactions drafted for you to check
- 50 AI pages a month, quota shown as you go
Questions Canadians ask
Can I deduct mortgage interest on my Canadian taxes?
Mortgage interest on your principal residence is not deductible in Canada. But interest on money borrowed to earn income from a business or investment generally is, under section 20(1)(c) of the Income Tax Act. Strategies like the Smith Manoeuvre reorganize debt so more of your borrowing qualifies — Apis Financial's HELOC investing tracker keeps the per-draw records the CRA expects.
What is the Smith Manoeuvre?
The Smith Manoeuvre is a Canadian strategy that pairs a readvanceable mortgage with a HELOC: each mortgage payment frees up HELOC room, which is re-borrowed and invested in a non-registered account so the interest becomes tax-deductible. Apis Financial tracks the moving parts — available room, draws, deductible interest and investment performance.
Does Apis Financial handle TFSA, RRSP and non-registered accounts?
Yes — TFSA, RRSP, spousal RRSP, LIRA/LRSP, RESP, RDSP, FHSA, non-registered and corporate accounts, held in CAD or USD and totalled in Canadian dollars, with adjusted cost base tracked on every purchase.
How does the retirement planner deal with Canadian tax?
It plans in today's dollars using your CPP earnings history, OAS timing, forced RRIF and LIF minimums, and OAS clawback thresholds, then builds a year-by-year withdrawal sequence designed to keep lifetime tax low.
Is Apis Financial free?
Yes — everything is free: tracking, dividends, benchmarking, debts, properties, the HELOC investing tracker and the retirement planner. Pro ($10 per year) covers AI reading of PDF statements and screenshots — the one thing that costs us to run — with a 50-page monthly fair-use cap.
Is this financial advice?
No. Apis Financial is an informational and record-keeping tool. It does not provide financial, investment or tax advice — always verify figures yourself and consider a qualified professional.
See your retirement date, not just your balance
Add your accounts and Apis Financial does the rest — in today's dollars, with Canadian tax rules built in.
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