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What you own · What you owe · What’s left

Your money,beautifullyin order.

Dworra puts every account in your household into one ledger, then works out your net worth, TFSA, FHSA and RRSP room, a Canadian tax estimate and a forecast from it. Free, in Canadian dollars, and you never hand over a bank login.

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Dashboard for an illustrative sample household: net worth $439,388.40, up 36 percent; cash runway 8.3 months; credit card utilization 4 percent; savings rate 59 percent; debt-to-asset 46 percent.

The real Dashboard, showing an illustrative sample household. Every figure on this page is an example, not advice.

What Dworra is

Dworra is a private finance tracker for Canadian households. You record balances and spending for yourself, a partner or the whole family, and it does the arithmetic: net worth, contribution room, tax estimates and forecasts, always showing its working.

Dworra is a tracking and estimation tool. It is not financial, tax, legal or investment advice, and it does not move money.

Try it

Watch steady saving add up.

Move the sliders. This is the same compound-growth arithmetic Dworra’s forecasts are built on, simplified to one fixed yearly return. Illustrative only, not advice.

$25,000
$750
6%
25
In 25 years you could have$631,370
You put in $250,000Growth $381,370

Illustrative: $25,000 to start and $750 a month at 6% for 25 years. Real returns go up and down; Dworra’s Forecast shows that range.

01 / Net worth

One number, built from every account.

Registered plans, banking, non-registered investments, employer plans, property and debt all roll into a single net worth. Each account keeps its own balance history, so the trend is yours, not a model’s.

  • Assets against liabilitieslive
  • Allocation by account group6 groups
  • Milestones and change over any period1M–ALL
Net Worth · sample household
Total assets
$811,738.40
▲ $17,238.40 (+2%)
Total liabilities
−$372,350.00
▼ $8,050.00 (−2%)
Net worth · CAD
$439,388.40
▲ $25,288.40 (+6%)
Where your assets sit
Allocation
Property $650,000 · 80%Registered $109,400 · 13%Non-Registered $30,600 · 4%Employer $14,300 · 2%Banking $7,200 · 1%
Next: $500,000 milestone76%
$250,000$60,612 to go$500,000
02 / Contribution room

TFSA, FHSA and RRSP room, worked out for you.

Enter your dates and contributions. Dworra tracks the room left in each registered account, warns you before an over-contribution, and marks anything that is only an estimate until you confirm it against your CRA figures.

  • TFSA room from the year you became eligiblesince 2009
  • FHSA annual and lifetime limits$8K / $40K
  • RRSP from your Notice of Assessmentplus RESP · CESG
Contribution Room · sample household
HouseholdeveryoneAdult 1$117,500 roomAdult 2$75,160 room
Adult 1
Registered room
TFSA
$90,500.00
$18,500 used · 17% · left $90,500
FHSA
$8,000.00
$16,000 used · 40% · left $8,000
RRSP EST
$19,000.00
$5,500 used · 22% · left $19,000
RESP · CESG
$6,400.00
$800 used · 11% · left $6,400
03 / Cash flow

Where the month went, before it’s gone.

Log income and spending, set budgets by category, and see bills, loan and card payments coming up on a calendar. Cash flow is for analysis only: it never quietly changes your account balances.

  • Budgets that warn when you’re ahead of paceper category
  • Payments due in the next 7 dayscalendar
  • Rules that categorise new transactionsyou write them
Dashboard · Budgets · sample household
This month
$7,300 income$2,995 spent$4,305 saved
3 payments due in the next 7 days $1,485
Home Mortgage (est.)today
$924
Car Loanin 4 days
$540
Netflixin 4 days
$21
85% On budgetof total spent
Budgeted
$3,300.00
Spent
$2,795.00
Remaining
$505.00
04 / Tax

A Canadian tax estimate for each person.

Federal and provincial tax for all 13 provinces and territories, CPP and EI, and illustrative refundable benefits. Each adult gets their own estimate, with their marginal rate and after-tax income. Estimates only: confirm with CRA.

  • All 13 provinces and territories2026 tables
  • Refund or balance owing estimateper person
  • Benefits illustrationCCB · CGEB · CWB
Tax · 2026 tax year · sample household

Estimated household tax $22,068 on $153,454 income · after-tax $121,421

▼ Est. refund $1,239CPP/EI overpaid $7ON health $1,350
A
Adult 1 · ON
$12,882.55
14% avg
$89,500 income · marginal 29.6%
After-tax$70,848
A
Adult 2 · ON
$9,185.64
14% avg
$63,954 income · marginal 29.6%
After-tax$50,573
Canada Child BenefitCanada Groceries and Essentials BenefitOntario Trillium BenefitCanada Workers Benefit
05 / Forecast

Where today’s habits could lead.

Forecast runs 300 Monte Carlo simulations from your recorded net worth, using the contribution, return, volatility and horizon you choose. You see a range of outcomes, not a promise, and an Advisor card suggests where your next dollar might go.

  • Range of outcomes300 runs
  • Nominal or today’s dollarsreal $
  • Your FI number25× annual spend
Forecast · sample household
Monthly contribution$4,252
Avg return6%
Volatility12%
Horizon25 yrs
Range of outcomes · nominal
Projected net worth
median $4,324,292 by 2051
06 / Household

Built for more than one person.

Switch between the whole household and each person. Settle Up keeps track of shared expenses and IOUs, and simplifies who owes whom. Goals can be linked to real accounts, so progress moves when balances do.

  • Household and per-person viewseveryone
  • Shared expenses and settlementsSettle Up
  • Fewest-payments simplifynets the group
Settle Up · sample household
You’re owed
$80.00
most: Raj (friend) $40.00
You owe
$123.20
most: Adult 2 $123.20
A
Adult 2you owe
−$123.20Settle
R
Raj (friend)owes you
+$40.00Settle
P
Priya (coworker)owes you
+$40.00Settle
Simplify
Settle everything in 3 payments instead of 4
Priya (coworker) → Adult 2$198.40
You → Adult 2$43.20
Raj (friend) → Adult 2$40.00
The full index

Every screen, in plain words.

These are the actual sections of the app, in the same order as its sidebar. There is nothing on this page that you won’t find after you sign in.

Overview

Dashboard

Net worth, health indicators, payments due and items that need your attention.

Overview

Net Worth

Assets and liabilities by group, allocation, milestones, as cards or a table.

Accounts

All Accounts

Registered, banking, employer, non-registered, property, debt, lines of credit and precious metals.

Contribution room

Contribution Room

TFSA, FHSA, RRSP and RESP room per person, with year-by-year history.

Cash flow

Transactions & Categories

Income and spending, your own categories, and rules that tag new entries.

Cash flow

Calendar & Budgets

Bills and payments planned against actual, and monthly budgets with pace warnings.

Planning & sharing

Goals & Settle Up

Savings targets linked to accounts, and shared expenses simplified into the fewest payments.

Insights

Advisor & Reports

Prompts about what to look at next, and reports on how your money has moved.

Insights

Tax & Forecast

Per-person Canadian tax estimates, benefits illustration, and Monte Carlo projections.

Up and running in minutes

How it works.

No credit card, no bank connection, no setup call. You stay in control of exactly what you record.

01

Create your free account

Sign up with an email and a strong password. Your private household is ready straight away.

02

Add your accounts

Type in balances yourself, using nicknames if you prefer. Net worth and CRA room calculate as you go.

03

See the full picture

Cash flow, tax and forecasts fill in from what you’ve recorded, on the same screens you saw above.

Private by design

Your finances stay yours.

No ads, no data selling and no marketing trackers. Dworra is built to help you understand your money, not to monetise it.

No bank login, everYou enter balances yourself. Dworra never asks for your online-banking credentials.
Optional two-factor sign-inAdd a one-time code from an authenticator app when you sign in.
Isolated dataRow-level security keeps each account’s records separate from every other user’s.
Nothing left on the deviceYour financial records load fresh each time you sign in instead of being stored in the browser.
Encrypted in transitHTTPS everywhere. Passwords are hashed by the sign-in service, never stored in plain text.
Export or delete anytimeDownload a full JSON backup, or delete your account and active data. No lock-in.
Good to know

Questions, answered.

Still unsure about something? Write to support@dworra.com.

Is Dworra really free?
Yes. Dworra is free, with no ads and no data selling. It’s built as a genuinely useful tool for Canadian households.
Do I have to connect my bank?
No. Dworra never asks for bank logins. You enter balances yourself, you control exactly what you share, and you can use nicknames instead of real account numbers.
Is my financial data private and secure?
Your data is isolated to your own account with row-level security, protected by optional two-factor authentication, and encrypted in transit. You can export your data or delete your account at any time; the Privacy Policy explains what limited records and backups remain.
Is it built for Canada specifically?
Yes. TFSA, FHSA, RRSP and RESP room, CESG grants, and a Canadian tax estimator across all 13 provinces and territories, with illustrative benefits such as the Canada Child Benefit, the Canada Groceries and Essentials Benefit (formerly the GST/HST credit), Ontario Trillium and the Canada Workers Benefit. Everything is in Canadian dollars.
Does it work on my phone?
Yes. Dworra works in your phone’s browser, and you can add it to your home screen on iPhone or Android so it opens like an app. An internet connection is needed to load and save your data.
Is this financial advice?
No. Dworra is a self-directed tracking and estimation tool. All figures are estimates. Always check them against your CRA Notice of Assessment and talk to a qualified professional before making decisions.
Free · Private · Canadian

Your money,
beautifully in order.

Two minutes to sign up. Then add your first account and watch the numbers fill in.

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