Wealthica vs Greenline: which Canadian tracker (2026)

Wealthica is one of the best-known portfolio trackers in Canada. It connects directly to a long list of Canadian financial institutions, pulling in your holdings, transactions, and balances through a third-party aggregator. The pitch is hands-off, and on the days everything’s connected it delivers. The catch is the connection itself: aggregator connections in Canada are unstable enough that any one of them can drop at any time, sometimes as often as every 24 to 48 hours. Each institution’s connection fails independently, so the more accounts you have linked, the higher the odds that at least one is in a broken state on any given day. Reconnecting (logging back in through the aggregator, re-entering credentials, sometimes re-doing two-factor) becomes a recurring task.

How does Wealthica work?

Wealthica uses bank aggregation to sync your accounts. You provide your online banking credentials, and Wealthica pulls your data through a third-party aggregation service. When the connection is live, your portfolio updates automatically. The friction is the connection itself. In Canada specifically, individual connections can drop as often as every 24 to 48 hours, and each linked institution fails independently. So logging back in through Wealthica (often for one bank while the others stay live) becomes part of the regular workflow.

Plans start at $50/year for institution connections, with higher tiers unlocking more detailed analytics, tax reporting, and advisor tools. There’s a free plan, but it doesn’t include the aggregator connections that Wealthica is best known for. Wealthica is Canadian-built and focused on Canadian investors, which means strong support for TFSAs, RRSPs, and Canadian brokerages.

What are the key differences between Greenline and Wealthica?

The biggest difference between Wealthica and Greenline comes down to how your data gets in.

Wealthica asks for your banking credentials so it can sync automatically. For many people, that convenience is worth it. But some investors aren’t comfortable sharing login details with a third party, even through an aggregation service. Banks in Canada generally don’t endorse this approach, and some have flagged it as a potential liability issue.

Greenline takes a different path. You upload your brokerage statements (CSV exports or PDF statements) directly. No credentials are shared, no third-party aggregation, no bank login. Your brokerage never knows Greenline exists.

Beyond the data model, Greenline is built specifically for Canadian investors. That means brokerage-specific parsers that understand the exact format of your Wealthsimple, Questrade, or bank brokerage exports. It also means Canadian tax features like adjusted cost base tracking and registered account awareness.

When is Wealthica a better fit?

If you’re comfortable with the bank-login model and you don’t mind logging back in periodically when the aggregator gets disconnected, Wealthica is the more hands-off option on the days the connection is live. You set it up once, and the data flows without you doing anything until the next reconnection prompt.

Wealthica also has a well-developed ecosystem with add-ons and an API, which appeals to more technical users who want to build on top of their data.

How is Greenline different?

Greenline is for investors who want the full picture without handing over their banking credentials. The upload model means you control exactly what data Greenline sees, and nothing is stored that you didn’t explicitly provide.

Greenline also goes deeper on the analysis side for Canadian investors. Fee breakdowns, holdings deep dives by region and sector, net worth tracking, and tax reporting are all built with Canadian accounts and tax rules in mind.

Which one should you choose?

Wealthica and Greenline are both built for Canadian investors. The choice comes down to how you want your data flowing in. If you’re fine with the bank-login model and willing to log back in through Wealthica when the connection drops, the aggregator approach is the more hands-off option between reconnections. If you’d rather have nothing to log into, no connection to your bank to maintain, and an upload after each trade, Greenline’s model is built for that.