๐Ÿ‡จ๐Ÿ‡ฆ Built for Canadian finances

The finance dashboard
Canada never had

TFSA room tracking. RRSP optimization. Tax loss harvesting. Capital gains calculations. All in one Google Sheets dashboard โ€” built specifically for Canadians.

Get NorthFi โ€” $29 CAD Free TFSA Calculator โ†“

Launch price: $29 (regular $39) ยท One-time purchase ยท Lifetime updates

๐Ÿ“Š 10 integrated sheets
๐Ÿ‡จ๐Ÿ‡ฆ 2026 tax rates & limits
โšก Google Sheets โ€” works anywhere
NorthFi Canadian Personal Finance Dashboard Preview
๐Ÿฆ Built by a Canadian finance professional ๐Ÿ“‹ Updated for current tax rules ๐Ÿ”„ Updated every tax year ๐Ÿ”’ Secure checkout via Gumroad
What's Inside
10 sheets. Zero guesswork.
Every tool a Canadian needs to track, optimize, and grow their money โ€” in one spreadsheet.
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TFSA Room Calculator

Track your exact contribution room from 2009-2026 based on CRA limits. Over-contribution penalty warnings built in. Never trust CRA My Account's delayed numbers again.

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RRSP vs TFSA Optimizer

Side-by-side tax comparison based on your income, province, and expected retirement rate. Answers the #1 Canadian finance question in 30 seconds.

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Tax Loss Harvesting

Identify losing positions to offset capital gains. Superficial loss rule warnings + substitute ETF suggestions (VFVโ†’XUS, XICโ†’XIU) so you don't trigger CRA issues.

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Capital Gains Calculator

Track capital gains with configurable inclusion rates. Calculate actual tax owed with your federal + provincial marginal rates.

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Investment Portfolio

Track every holding across TFSA, RRSP, FHSA, and non-registered accounts. See total returns, gain/loss, and allocation by account type.

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US Withholding Tax Guide

Holding US stocks in your TFSA? You're losing 15% of dividends. See which ETFs belong in which account to minimize foreign tax drag.

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Monthly Budget

13 customizable categories with budget vs actual, over-budget alerts, and spending trends. Canadian-relevant defaults (Presto, Rogers, Loblaws).

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Net Worth Tracker

Monthly asset and liability tracking across all accounts. Watch your wealth compound over 12 months with auto-calculated totals.

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Debt Payoff Planner

Avalanche or snowball method. Track student loans (NSLSC), credit cards, LOCs. See payoff dates and total interest saved.

Free Tool
TFSA Room Calculator
Don't trust CRA's delayed numbers. Calculate your exact 2026 TFSA contribution room in 30 seconds.

๐Ÿ‡จ๐Ÿ‡ฆ Get Your Free TFSA Calculator

Enter your email and we'll send you the Google Sheets TFSA Room Calculator โ€” tracks every year from 2009 to 2026 with over-contribution warnings.

No spam. Just your calculator + occasional Canadian finance tips.

Why NorthFi?
Not another American budget template
401k? IRA? W-2? None of that applies to you. This does.
Feature Generic Templates NorthFi ๐Ÿ‡จ๐Ÿ‡ฆ
TFSA Room Trackingโœ—โœ“ Full 2009-2026
RRSP vs TFSA Analysisโœ—โœ“ With tax projections
Tax Loss Harvestingโœ—โœ“ + Substitute ETFs
Canadian Tax Bracketsโœ— US-focusedโœ“ Federal + Provincial
Capital Gains (66.7% rule)โœ—โœ“ Configurable rates
US Withholding Tax Guideโœ—โœ“ Account placement
Dividend Tax Creditsโœ—โœ“ Eligible + Non-eligible
FHSA Planningโœ—โœ“
Canadian-relevant categoriesGenericโœ“ Presto, NSLSC, etc.
Lifetime updatesโœ— One-offโœ“ Every tax year
Early Access
What people are saying
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"I've been looking for a Canadian-specific finance spreadsheet for years. The TFSA room calculator alone is worth it โ€” CRA's numbers are always a year behind."
โ€” Early access user, Toronto
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"The RRSP vs TFSA optimizer finally gave me a clear answer. I was putting money in the wrong account for 3 years."
โ€” Early access user, Vancouver
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"Tax loss harvesting with the substitute ETF suggestions? That saved me $800 in taxes this year. No other template does this."
โ€” Early access user, Calgary
Pricing
One dashboard. One price. Forever.
No subscriptions. No recurring fees. Buy once, get every future update free.
NorthFi Dashboard
$39
$29 CAD
Launch price โ€” limited time
  • TFSA Room Calculator (2009-2026)
  • RRSP vs TFSA Optimizer
  • Tax Loss Harvesting + Substitute ETFs
  • Capital Gains Calculator (66.7% rule)
  • Dividend Tax Credit Calculator
  • US Withholding Tax Tracker
  • Investment Portfolio (TFSA/RRSP/FHSA/Non-Reg)
  • Monthly Budget (13 categories + alerts)
  • Net Worth Tracker (12-month)
  • Savings Goals + Debt Payoff Planner
  • Lifetime updates โ€” every tax year
  • Google Sheets โ€” works on any device
Get NorthFi โ€” $29

๐Ÿ”’ Instant delivery. Lifetime updates included.

FAQ
Questions? Answers.
How does it work?
After purchase, you get a link to a Google Sheets template. Click "Make a copy" and it's yours. Fill in your numbers in the highlighted cells โ€” all formulas calculate automatically. There's a step-by-step setup guide on the first tab.
Do I need to know anything about spreadsheets?
Nope. Everything is pre-built. Just fill in the highlighted cells (your income, expenses, holdings, etc.) and everything updates automatically. If you can type a number, you can use NorthFi.
Why not just use Mint or Wealthica?
Those apps track what happened. NorthFi helps you optimize what happens next โ€” which account to prioritize, how to harvest tax losses, whether RRSP or TFSA is better for your situation. It's a planning tool, not just a tracker.
Is this financial advice?
No. NorthFi is a tracking and planning tool that helps you organize your finances and understand your tax situation. It's not a substitute for a licensed financial advisor or accountant.
Will it work with Excel?
It's designed for Google Sheets (free). Most formulas work in Excel too, but Google Sheets is recommended for the best experience and automatic updates.
What happens when tax rates change?
You get lifetime updates. When TFSA limits, tax brackets, or inclusion rates change, we update the template and notify you. No extra charge, ever.

Your money. Your plan. Your country.

Stop using American templates for Canadian taxes. Get the dashboard that actually works for you.

Get NorthFi โ€” $29 โ†’