HoldingHQ

Free while in beta · Canada-first

Know exactly where your household stands.

HoldingHQ turns every trade, dividend and deposit into a single living ledger — then derives the performance, income, tax and rebalancing answers your broker can’t.

Create your householdSee how it works
  • TFSA
  • RRSP
  • RESP
  • Taxable
  • CAD & USD
  • Stocks, ETFs & options
  • Multi-member households

How it works

One ledger in. Every answer out.

Most trackers trust whatever balance your broker reports. HoldingHQ works from first principles: your transactions are the source of truth, and everything else is computed from them.

  1. 01

    Connect or record

    Link your brokerage read-only, import activity, or enter trades yourself — whatever fits each account.

  2. 02

    One ledger of truth

    Every buy, sell, dividend, deposit and FX event lives in a single auditable timeline, reconciled against broker holdings.

  3. 03

    Answers, derived

    Positions, cost basis, TWR & XIRR, income and taxes are computed from your ledger — never guessed from broker summaries.

Features

Built for households, not just accounts.

Every account, one picture

All your investment accounts across members, brokers and currencies — TFSA, RRSP, RESP, taxable — in a single household view.

Dividends on autopilot

Upcoming income, automatic dividend recording and DRIP handling, so your ledger stays right without data entry.

Taxes, done properly

Canada-first capital-gains engine: average cost basis, superficial-loss rules and options treatment computed from your actual trades.

Insights that explain

Composition, income, performance and cost visualizations with real math behind them — XIRR, TWR and FX attribution included.

Rebalancing that fits real life

Household and per-account targets with drift badges and a buy-only invest calculator — rebalance with new money, not forced selling.

Goals & contribution room

Project your goals and keep TFSA/RRSP contribution room straight, including spousal attribution and rollovers.

Automation, with guardrails

Hands-off, but never out of your hands.

Connect your brokerage and real activity flows in on its own — while every automation stays idempotent, auditable, and steps aside wherever your broker connection already owns the data.

  • Dividends & DRIP, auto-recorded

    Posted on pay date from real distribution data. Idempotent — never double-counted.

  • Recurring deposits & split detection

    Scheduled contributions land themselves; stock splits are detected and applied to your ledger.

  • Reconciled against broker truth

    Connected accounts compare ledger quantities to broker positions and flag any drift.

  • Read-only by design

    Broker connections can see activity — never place trades or move your money.

Start your household ledger.

Free while in beta. Bring the whole household — members, accounts and currencies included.

Create your household