Finance.you vs WisePlan Wealth

finance.you is a portfolio tracker built by someone who actually uses one. Pull together every account (bank, brokerage, TFSA, RRSP, FHSA, 401(k), IRA, Roth IRA, real estate, crypto) into one net worth number. Updated live. Built for self-directed investors in Canada and the US first; UK and Australia foundation included. WHAT'S INCLUDED FOR FREE • Net worth across every account, currency, and asset class • Holdings dashboard with consolidated positions across brokers • Dividend tracking: calendar, ex-dates, cumulative income • ACB / cost-basis tracking with superficial-loss detection (Canada) • Cost basis and wash-sale detection (US) • Contribution-room tracking across TFSA, RRSP, FHSA, 401(k), Roth IRA, HSA • Multi-currency net worth with daily FX • Tax-aware reports: capital gains, eligible vs ordinary dividends, foreign withholding • FIRE calculators and retirement projections: coast, lean and fat FIRE, the 4% rule, safe withdrawal rates, account drawdown WHAT PRO ADDS ($4.99/MONTH, AUTO-RENEWING) • Strategy Analytics. Options structures across your holdings, scored on IV rank, days to earnings, and position size. For your own research, not financial advice. • Portfolio Perspectives. Buffett DCF, Graham, Lynch and Greenblatt lenses on your holdings, as educational frameworks. • Options Lab. Multi-leg builder for iron condors, verticals and diagonals. Payoff diagrams. Greeks. • Risk Analytics. VaR, sector concentration, correlation matrix. • Performance Analytics. Trade-by-trade P&L with MFE/MAE, win rate, and edge vs SPY/QQQ. • Portfolio chat. Ask "what's my YTD dividend in CAD?" and get answers from your real data. • Tax optimization. Tax-loss harvesting, asset location, contribution priority. PRIVACY-FIRST • Read-only broker connections. We cannot move your money. • Encrypted at rest, TLS in transit. • No ads, no data sales, no AI training on your transactions. • Delete your account and all data with one click. One app for both finance.you and WealthWatch. This is the same app as WealthWatch (wealthwatch.ai). If you signed up there, sign in with the same account. Same app, new name, more retirement tooling. finance.you is not a registered investment advisor and does not provide personalized financial, tax, or investment advice. All analytics are illustrative and based on user-imported data. Users are responsible for their own investment decisions. Subscription auto-renews monthly at $4.99 USD unless cancelled at least 24 hours before the renewal date. Manage or cancel in iOS Settings, Apple ID, Subscriptions. Privacy Policy: https://finance.you/privacy Terms of Use (EULA): https://finance.you/terms

WisePlan Wealth — Retirement Planning Made Clear Plan your retirement with confidence. WisePlan Wealth gives you a comprehensive, personalized projection of your financial future — whether you're in Canada or the United States. Enter your income, expenses, assets, pensions, and investment portfolio, and instantly see how your retirement plan holds up over time. Model different scenarios, stress-test against market downturns, and find the optimal strategy for your unique situation. Standard — Free: • Full retirement projection engine covering income, expenses, taxes, pensions, and investment growth • Support for CPP/QPP, OAS, GIS (Canada) and Social Security (US) • Go-Go / Slow-Go / No-Go retirement spending phases to model how your lifestyle and expenses change over time • Interactive dashboard with estate donut chart and tax overlay • Enter overall account values for your RRSP, TFSA, Non-Registered (Canada) or 401(k), Roth IRA, Brokerage (US) accounts • Single profile to build and refine your plan Premium — Unlock Powerful Analysis: • Everything in Standard, plus: • Customize CPP/QPP and OAS amounts, or let the optimizer find your ideal start ages to maximize lifetime income • Add pension accounts with custom start dates, amounts, and indexing • Add multiple income streams — rental income, annuities, side businesses, and more — each with their own schedule and growth rate • Custom portfolio holdings — enter individual stocks, ETFs, GICs, and crypto with ticker symbols, shares, and cost basis • Bring Your Own Key (BYOK) — connect your free Alpha Vantage API key for automatic ticker-based price updates across all holdings • Monte Carlo simulation — stress-test your plan against thousands of randomized market scenarios to see how resilient your strategy really is • Six key dashboard metrics: Retirement Coverage, Market Resilience, Retirement Years, PV Funded Ratio, Legacy, and Lifetime Tax • PDF and CSV report export — generate professional retirement reports to review offline or share with your financial advisor • Multiple profiles — create and compare different retirement scenarios side by side Pro — The Complete Toolkit: • Everything in Premium, plus: • Unlimited profiles — model as many scenarios as you need without limits • Profile import & export — save your profiles as portable files, back them up, or transfer between devices • Profile sharing — send profiles to a spouse, partner, or financial advisor via AirDrop, email, or any sharing method • Priority support Privacy First: Your data stays on your device. No account required. No ads. No tracking. See subscription options in the app for current pricing in your region. Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Manage subscriptions in your Apple ID settings. Terms of ​Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/