Wealthica vs Unified: Investment Tracking vs Everyday Budgeting
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By Jay Darji — Founder, Unified. Jay builds Unified, a Canadian budgeting app that connects all your bank accounts in one dashboard, and writes every guide on this blog based on building banking software for Canadians.
Wealthica wins for investors: it aggregates portfolios from 20,000+ institutions, has deep analytics, and its core tracking is free. Unified wins for day-to-day money: spending, budgets, Safe to Spend, and subscription alerts across all your Canadian bank accounts, with a 14-day free trial, then $6.99/mo or $69/yr. This review covers both honestly — including where Wealthica is simply the better tool.
Quick Verdict
Wealthica is Canada's investment-tracking specialist, and it is genuinely good at that job: portfolio aggregation across brokerages, capital gains reports, fee analysis, and a real free plan. What it is not is a day-to-day budgeting app — its budgeting tool is a side feature next to Unified's spending analytics, category budgets, Safe to Spend, and subscription tracking. If you live in your investment portfolio, use Wealthica. If you want to know where your money goes every week and what you can safely spend today, use Unified at $6.99 CAD/month — and plenty of Canadians use both.
Feature-by-Feature Comparison
Wealthica is investment-first; Unified is spending-first. Here is where each one is strong.
| Feature | Wealthica | Unified |
|---|---|---|
| Primary purpose | Investment & net worth aggregation | Day-to-day budgeting across all banks |
| Price | Free plan; paid tiers $50–$250/yr | $6.99 CAD/month (14-day free trial) |
| Investment portfolio analytics | Deep — holdings, fees, capital gains | Balances only (roadmap) |
| Institution coverage | 20,000+ incl. Canadian brokerages & crypto | 15,000+ via Plaid |
| Free connections | Manual tracking free; synced connections are paid | All connections included in one plan |
| Spending analytics | Light (budgeting side feature) | Detailed (weekly + monthly) |
| Budget tools | Basic budgeting tool | Category limits + rollover + pay period + Safe to Spend |
| Subscription tracking | No dedicated feature | Auto-detect + price change alerts |
| TFSA/RRSP account support | Yes — strong registered-account tracking | Linked TFSA/RRSP balances included in net worth |
| Crypto tracking | 500+ exchanges, blockchains & wallets | Via linked accounts only |
| Security & privacy | Read-only, no advertising (per Wealthica) | Plaid, 256-bit encryption, privacy mode, auto-logout |
Pricing at a Glance
| App | Price (CAD) | Free trial |
|---|---|---|
| Wealthica | Free plan; paid tiers $50–$250/yr (Connect, Unlimited Connect, Premium, Prestige) | 14 days (paid tiers) |
| Unified | $6.99/mo or $69/yr | 14 days |
What Wealthica Does Best
Any honest Wealthica review has to start with the praise, because there is a lot of it. Wealthica is a Canadian company that has spent a decade doing one thing well: aggregating investments. It connects to 20,000+ institutions, serves 100,000+ users, and tracks tens of billions of dollars in assets — stocks, ETFs, funds, private investments, and cryptocurrency across 500+ exchanges, blockchains, and wallets.
The analytics are the real differentiator. Wealthica gives you capital gains reports, income and fee reports, performance tracking, and a balance sheet view of your whole portfolio. If you hold a TFSA at one brokerage, an RRSP at another, and crypto in a wallet, Wealthica assembles it into one coherent picture in a way few tools — Canadian or otherwise — can match. It also states a clear privacy position: read-only aggregation, no advertising, and bank-level security.
For investment-heavy Canadians, that is the right tool for the job, and this page will not pretend otherwise. The question is what happens to the other half of your financial life — the chequing account, the credit cards, the groceries, the subscriptions. That is where Wealthica gets thin.
Wealthica Pricing: Free Core, Paid Connections
Wealthica's free plan is genuinely useful: manual stock tracking, a budgeting tool, balance sheet and capital gains reports, and transaction notifications. The paid tiers are where automatic syncing lives: Connect at $50/year covers 3 Canadian institution connections, Unlimited Connect at $75/year removes the cap and adds family sharing, Premium at $150/year adds delayed stock quotes and unlimited portfolios, and Prestige at $250/year tops the range with VIP support and custom attributes. Paid tiers carry a 14-day trial.
The structure makes sense for investors, but note the shape of it: the free plan is manual, and automatic connections are what you pay for, scaling with how much you want synced. Add-ons like spreadsheet sync and portfolio analysis plugins cost extra on top.
Unified's pricing is flat: $6.99 CAD/month or $69 CAD/year after a 14-day free trial, with every connection and every feature included. No per-connection tiers, no add-ons.
Wealthica plan names and prices verified at wealthica.com/pricing on August 24, 2026. Wealthica's site localizes pricing by region; figures shown are as listed on its pricing page.
Where Wealthica Falls Short: Everyday Money
Wealthica does include a budgeting tool — it is even in the free plan — but it is a side feature in an app organized around portfolios. Searchers asking whether Wealthica can replace a budgeting app usually discover the same three gaps.
First, spending visibility: Wealthica's reports answer "how are my investments performing?", not "where did my money go this week?". Unified's weekly and monthly spending analytics break down every dollar by category and day across all your chequing accounts and credit cards. Second, budget mechanics: Unified offers category limits with rollover, budgets by month or by paycheck, and Safe to Spend — one number for what you can actually spend after bills and budgets. Third, recurring charges: Unified auto-detects subscriptions and alerts you when a price increases; Wealthica has no dedicated equivalent.
None of this makes Wealthica worse at its own job. It means the two apps are answering different questions — and if the question on your mind is a budgeting one, an investment tracker is the wrong place to ask it.
Using Wealthica and Unified Together
Like Wealthsimple and Unified, this is less a rivalry than a division of labour. Wealthica watches your portfolio: performance, fees, capital gains, and the long-term growth of your TFSA and RRSP. Unified watches your cash: what came in, what went out, which subscriptions crept up, and what is safe to spend before payday.
A practical setup many multi-account Canadians land on: Wealthica (free plan or Connect) for quarterly portfolio reviews, and Unified as the daily driver — the tab you open to check the week's spending, upcoming bills on the Cash Flow Calendar, and your total net worth across TD, RBC, BMO, CIBC, Scotiabank, and everywhere else you bank.
At $6.99 CAD/month with a 14-day free trial, Unified is inexpensive to run alongside Wealthica — and if you only take one of the two, pick the one that matches the job you actually need done this month.
Who Should Use What?
Choose Wealthica if you...
- Track investments across multiple brokerages, wallets, or advisors
- Want capital gains, fee, and performance reports for tax season
- Hold significant crypto alongside traditional investments
- Are happy with manual tracking on the free plan, or per-connection paid tiers
- Rarely need day-to-day spending or budget answers
Choose Unified if you...
- Want to see spending, budgets, and net worth across every Canadian bank
- Need Safe to Spend — what you can actually spend after bills and budgets
- Want subscription tracking with price-increase alerts
- Prefer one flat CAD price with every connection included
- Check your money daily or weekly, not quarterly
Frequently Asked Questions
Is Wealthica really free?
Partly. Wealthica's free plan includes manual stock tracking, a budgeting tool, and reports like capital gains and balance sheet — genuinely useful for hands-on investors. Automatic institution syncing is paid: Connect at $50/yr covers 3 Canadian connections, Unlimited Connect at $75/yr removes the cap, and Premium ($150/yr) and Prestige ($250/yr) add analytics and support tiers.
Is Wealthica good for budgeting?
Not really — and that's by design. Wealthica includes a basic budgeting tool, but the app is organized around investment portfolios, not day-to-day spending. It has no Safe to Spend equivalent, no subscription price alerts, and light spending analytics. For everyday budgeting across Canadian bank accounts, a spending-first app like Unified ($6.99 CAD/mo, 14-day free trial) is the better fit.
Is Wealthica safe to use?
Wealthica is a Canadian company serving 100,000+ users, and it states a clear security position: read-only aggregation, bank-level security, no advertising, and transparent privacy. Like Unified, it cannot move money in your accounts. As with any aggregator, you are trusting it with account visibility, so its read-only model and privacy stance are the right things to check — and both apps publish them.
What institutions does Wealthica support?
Wealthica supports 20,000+ institutions, with particularly strong coverage of Canadian brokerages and registered accounts (TFSA, RRSP), plus 500+ crypto exchanges, blockchains, and wallets. Unified connects to 15,000+ institutions through Plaid with a focus on Canadian banks — TD, RBC, BMO, CIBC, Scotiabank, Tangerine, Simplii, EQ Bank, and credit unions across Canada.
Is Wealthica or Unified better?
They solve different problems. Wealthica is better for investment tracking: portfolio aggregation, capital gains and fee reports, and crypto coverage. Unified is better for everyday money: spending analytics, category budgets with rollover, Safe to Spend, subscription alerts, and reliable Canadian bank sync at $6.99 CAD/mo or $69/yr. Investment-heavy users often run both.
Can I use Wealthica and Unified together?
Yes, and it's a sensible split: Wealthica for quarterly portfolio reviews — performance, fees, capital gains — and Unified as the daily driver for spending, budgets, upcoming bills, and total net worth across all your Canadian bank accounts. With a 14-day free trial and a $6.99/mo price, Unified is inexpensive to run alongside Wealthica's free plan.
Great Portfolio Tracking Deserves Great Budgeting
Keep Wealthica for your investments if you love it. Add Unified for everything else — spending, budgets, Safe to Spend, and every Canadian bank account in one dashboard for $6.99 CAD/month.