.webp?v=0.1.2){kind=logo}
#1 Personal Finance App
For Young Investors
Chasing Financial Freedom.
11+ tools that show you your real money: what you own, what it pays you, and how close you are to financial independence. Connecting your brokerage takes a minute and is read-only — nothing can be bought or sold. The game on top is optional.
$1.99 for 3 days, then $7.99/month. Cancel anytime before renewal.
$1.99 for 3 days, then $48.99/year. Cancel anytime before renewal.
$1.99 today for 3 days of full access with one brokerage connected. Founder then starts on day 4 at $48.99/year, unless you cancel first. Cancel any time from your account — no email, no phone call.
ALL YOUR TOOLS
Four are free to try. The other eight come with Premium — connect your brokerage once and they fill themselves in.
Start here for free
Open these right now. Nothing to pay, nothing to cancel.
Your whole portfolio, tracked
Connect your brokerage once. Everything here fills itself in.
· cancel any time
Income RPG — The Game
Your real holdings become characters and your real distributions level them up. Walk your Home Base, fight for your kingdom, and win cosmetics that dress the ETF cards you actually own.
SOON
🎞 VIDEOS ABOUT INCOME RPG
Watch showcases, tutorials, exciting updates, and a lot more
START HERE
⚡ HOW IT WORKS
The tools are the product: a clear view of your real money and how close you are to financial independence. The game is an optional layer on top — use one, or both.
How it works
What IncomeRPG is
A portfolio tracker for people building income — dividends and distributions — with a game layer on top that is entirely optional.
Why it exists
Almost every app shows what your portfolio is worth. Very few show what it pays you, when the next payment lands, or how close that gets you to not needing to work.
What you do
Connect your brokerage once. Read-only, about a minute. Everything after that updates itself.
What you get
- What you own, and what it really pays
- When each payment lands — and if one gets cut, before it hits
- How far you are from living off it, and what closes the gap
The game, if you want it
Your holdings become characters that level up on your real distributions. It changes none of your numbers. It is there because the hard part of this is staying consistent for years, and people stay with what they enjoy.
Chasing financial independence is slow. Honestly, it can be boring. And the thing that actually makes “early” happen is consistency — checking in, contributing, staying with it for years. People stay with what they enjoy. So this is the optional part. None of it is required, and none of it touches your real numbers.
“I own some ETFs. I have no idea how much they actually pay me.”
🔗 Connect your brokerage
About a minute. Read-only — nothing can be bought or sold.
+ more
…and you pick yours from the full list in the secure window
WHAT YOU GETEverything you own, on one screen
- Real value, real payout — nothing typed in by hand
- Every holding, every account, in one place
- None of it is made up
- TFSA, RRSP, margin — one account or all of them at once
“Which of my investments actually pays me the most?”
💰 Open “Dividend Stats”
Your income by hour, day, week, month or year.
WHAT YOU GETYou see who really pays you
- Ranked by cash paid, not by size
- The biggest holding is often not the best payer
- That gap is the whole point of income investing
- Built from payments that actually landed, not a quoted yield
“A payment was smaller this month. Why?”
💵 Open “Pay Day”
What landed, from which fund, and what is due next.
WHAT YOU GETWhen you get paid — and when it changes
- A calendar of every payment due, month by month
- Raised, reduced or held — flagged per fund, weeks before it lands
- Built from the managers’ own published schedules
- And what to reinvest to replace the income you lost
“Is this fund any good? Where do I even look?”
🔎 Open the “ETF Explorer”
Free. No account needed.
WHAT YOU GETEvery income ETF, from the source
- 1,000+ funds · 10 Canadian issuers
- The manager’s own numbers — never a data vendor
- Full distribution history, some back a decade
- 33,000+ individual payments, every one of them dated
“Which of these two is actually better?”
📊 Open “Fund Compare”
Free. Up to ten funds at once.
WHAT YOU GETTen funds, side by side
- Return, income and what your money would have done
- An uncovered period shows a dash — never a shortened number
- Premium adds your own holdings to the line-up
- Free — use it before you ever make an account
“I have $10,000 to invest. How much would it actually pay me?”
🔬 Tap “Test Contributions”
Pick a fund, type an amount.
WHAT YOU GETYour answer in two seconds
- This much a month. This much a year.
- Real price, real payout — no spreadsheet
- It never tells you what to buy
- Works on a fund you do not own yet
“What am I even aiming at?”
🎯 Open “Goals”
Set a value goal, an income goal, or both.
WHAT YOU GETA target you can actually track
- Both trackers, one set of assumptions
- How far along you are, in real dollars
- Nobody is ever told they are “behind”
- Saved to your account, so it follows you to any device
“Where is my money actually going each month?”
📒 Open the “Budget Tracker”
Money in versus money out.
WHAT YOU GETWhat is left to invest
- Income and spending, side by side
- The surplus is the number that moves FIRE closer
- Your figures — nothing is estimated for you
- Except your dividend row, which fills itself from your real portfolio
“Did that deposit actually change anything?”
🔥 Open “F.I.R.E. Contributions”
Every deposit you have made.
WHAT YOU GETBefore → after, every single time
- What your portfolio was, and what it became
- What that deposit added to your monthly income
- Rebuilt from your brokerage history
- A deposit and a reinvested dividend are not the same thing — it knows
“Am I actually making progress? It’s hard to tell.”
🏆 Open “Milestones”
Every rank you cross, with the date.
WHAT YOU GETProgress you can point to
- A dated timeline you can scroll back through
- Portfolio value, monthly income, lifetime paid
- Not a feeling of progress — a record of it
- No crown, pet or cosmetic can ever unlock one
“How far am I from not needing to work?”
🌴 Open the “Retirement Calculator”
Nine questions, in plain words.
WHAT YOU GETThe number — and what closes the gap
- The portfolio you need, and the age you need it by
- A year-by-year plan, four ways to get there
- It refuses to guess — it says which number to change
- Start free — nine questions and you get your first number
“I own some ETFs. I have no idea how much they actually pay me.”
🔗 Connect your brokerage
The same one minute. Read-only, always.
WHAT YOU GETYour funds become characters
- Every holding turns into a hero of its own
- Its level is your invested dollars — nothing else
- Sell it in real life and it leaves the kingdom
“Tracking my money is boring. I stop checking after a week.”
⚔️ Press “Create your Hero”
It’s the big green button.
WHAT YOU GETYou get a hero of your own
- Name them, and pick how they look
- Hats and colours from the Outfitter
- Real investing is what unlocks the rest
“Why would I open this on a Tuesday?”
🎮 Play, explore, hit milestones
Mini-games, a map, quests. All capped daily.
WHAT YOU GETCrowns you can actually spend
- 73 pieces of furniture · 22 home deeds
- 26 pets to raise and race
- Cosmetic only — it never touches your real numbers
“What do my characters actually do?”
🗺️ Send them on Expeditions
Twenty pinpoints across the map.
WHAT YOU GETYour portfolio, as a party
- Turn-based battles — Raiders, Sieges, Strongholds
- A stronger holding is a stronger fighter
- Trophies you cannot buy, only win
“This card looks incredible. Can I show someone?”
🃏 Open the Hall of Heroes
Tap 📤 on any card.
WHAT YOU GETCards worth collecting
- Every fund gets its own illustrated card
- Five evolution tiers as you invest more
- Share it as an image — the stats are your real ones
IncomeRPG sorts income ETFs into three groups based on payout level and risk, then lets you feed part of those payouts into one crowned growth ETF.
Bigger payouts. More aggressive. Higher risk.
Balanced payouts. Balanced risk.
Smaller payouts. Usually steadier.
No payouts. He just grows.
.webp?v=0.1.2)
Every payout above can be fed here — you set what percentage. One portfolio, two jobs: income now, growth later.
Your income ETFs pay cash distributions. You choose what percentage of those payments gets redirected into one growth-focused ETF.
Income classes generate the cash. Your crowned ETF receives part of it.
A growth ETF pays you little or nothing today. What it does instead is get bigger — and that is a different job, not a worse one.
Income investing earned its place: real cash, in real months, that keeps paying while a market falls. Growth investing earned its place too. Most real portfolios are some of both, and this app should be able to hold that without picking a fight. Under 6% yield a fund becomes a Mage — it stops being measured by a distribution it was never trying to pay.
✨ Which Mage you get is decided by how close to paying you the fund is. At 0% you have an Apprentice reading the first spell. Climb through the Conjurer, the Wizard and the Sorcerer, whose power runs in the blood — and just under 6% you find the Archmage, to whom the whole tower answers.
What a growth portfolio actually gets here
- Every tracker, unchanged. Value, all-time return, net deposits, per-account views, Fund Compare, the Retirement Calculator and the Goals page do not care how a fund pays you. They were built on price and contributions, which is exactly what a growth portfolio is made of.
- Milestones you can actually cross. The Journey ranks portfolio VALUE and contributions, not just income — so a growth holding climbs the same wall. Nothing on it requires a distribution.
- A cast that levels like any other. Five species, five evolutions, real collectible cards, and Hero Level computed over your whole portfolio. Mages wear a colour of their own — blue, pink or violet, your pick — and they are not lesser.
- And a job that is coming. Mages are made for the Kingdom Map: the ones who shape what the fighting classes defend. That is the part of the game they will own.
Straight with you: Mages earn no distributions and feed the King nothing, so they take no expedition slot and win no battle rewards. That is the class, not an oversight — and nothing here changes what your income classes pay you.
They never take the field — they study it.
Seen enough?
See the plansYour Portfolio, Live
Three views of the same real money — what it’s worth, what it pays you, and the holdings behind both. Straight from your brokerage.
💰 Your Dividend Income
What your holdings pay you — at every cadence.
Every month you were paid — tap a bar.
Every soldier's tribute — highest earner first.
When will your dividends cover your goal?
📌 Projection at your current yield with dividends reinvested — an estimate, not a guarantee.
📈 Portfolio Stats
Live view — the whole kingdom, or one holding at a time.
What your portfolio was worth — tap a bar.
📌 From contributions + reinvested dividends at your current yield (excludes price growth) — an estimate, not a guarantee.
🔬 Holdings Lab
Every holding, exactly as your brokerage reports it — name them, and test what a contribution would earn.
Home Base
The heart of your kingdom — every hero, quest & battle starts here.
THE HALL OF HEROES
Every holding, forged as a collectible card. Grab them, spin them, stage the ceremonies.