Finance.you vs FIRECA

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

FIRECA helps Canadians plan their path to financial independence and retirement with a simple, visual FIRE calculator. Estimate your FIRE number, project your portfolio over time, and see how today’s savings decisions may affect your future retirement timeline. Built for Canadian planning, FIRECA helps you model: • Monthly income, expenses, and savings rate • TFSA, RRSP, and non-registered investments • Retirement age and financial independence targets • CPP and OAS income estimates • Withdrawal-rate planning • Inflation and investment return assumptions • Rental property income and sale scenarios • Spouse/partner retirement planning • Net worth snapshots and shareable summaries FIRECA is designed for quick “what if?” planning. Adjust your assumptions and instantly see how your target number, retirement age, income gap, and portfolio path may change. Use it to answer questions like: • How much do I need to retire? • Am I saving enough each month? • What happens if I retire earlier or later? • How do CPP and OAS affect my plan? • How long could my portfolio last? • What if I sell a rental property? • What does my FIRE path look like in today’s dollars? FIRECA keeps the experience lightweight and focused. No complicated spreadsheets. No account sign-in required to start planning. Just clear numbers, charts, and retirement scenarios you can understand at a glance. Important: FIRECA is for educational and planning purposes only. Results are estimates based on the assumptions you enter. It is not financial, investment, tax, legal, or retirement advice. Consider speaking with a qualified professional before making major financial decisions.