Passiv
Broker-connected rebalancing tool that keeps your portfolio on target with one-click trades, with holdings and performance tracking underneath.
Passiv is a Canadian portfolio-management tool that connects to your brokerage, via SnapTrade, to keep your investments aligned with a target allocation. You define a model portfolio, and Passiv monitors drift, tells you when cash or dividends are available to invest, and calculates the exact trades to rebalance — executing them with one click on the paid Elite tier, or leaving you to place them manually on the free tier. It also reports performance, contributions and dividend income across multiple accounts, though tracking is the supporting layer beneath its rebalancing engine. It is not a robo-advisor and never trades without your instruction.
Features at a glance
| Feature | Passiv |
|---|---|
| Pricing | Freemium |
| Tracking & data | |
| Manual entry | Not supported |
| CSV / broker import. Import holdings and transactions from broker or exchange CSV files. | Not supported |
| Automatic bank/broker sync. Connects to your bank or broker to pull holdings in automatically. | Yes |
| Multi-asset | Partial |
| Multi-currency | Yes |
| Dividend tracking | Yes |
| Dividend/income forecast. Projects future dividend income and shows an income calendar. | Not supported |
| Tax reports | Not supported |
| Analysis & insights | |
| AI portfolio analysis | Not supported |
| AI asset & market analysis. AI commentary on individual holdings and market context, not just the whole portfolio. | Not supported |
| Portfolio health score. A single score rating diversification, concentration and other portfolio-health signals. | Not supported |
| Rebalancing & drift. Shows how far your allocation has drifted from target and how to correct it. | Yes |
| Goal & time-to-goal | Yes |
| Custom groupings / tags. Group holdings by your own dimensions (e.g. strategy, theme), not just asset class. | Not supported |
| Return method (TWR/MWR). True time-weighted (TWR) and money-weighted (MWR/XIRR) return — not just a simple % change. | Yes |
| Benchmark & alpha. Compare returns against a benchmark, including alpha. | Not supported |
| Backtesting & scenarios. Test a portfolio against historical data or run scenario simulations. | Not supported |
| Access & pricing | |
| Free tier | Yes |
| No account linking required. Works without connecting a bank login or aggregator. | Not supported |
| Open source | Not supported |
| Self-hostable | Not supported |
| Public API | Not supported |
| Platform & reach | |
| Mobile app | Not supported |
| Multi-language | Not supported |
| Community & extras | |
| Public / social portfolios. Share your portfolio publicly and follow other investors. | Partial |
| AI portfolio roast. A shareable AI roast: a frank critique of a portfolio. | Not supported |
Best for
DIY index and couch-potato investors — especially Questrade and other supported-broker users in Canada — who want automated drift alerts and one-click rebalancing without handing control to a robo-advisor.
Strengths
- Best-in-class one-click rebalancing to target allocations, tied directly to your brokerage
- Genuine permanent free tier with drift, cash and dividend notifications
- Auto-syncs real holdings via SnapTrade across an expanding broker list
- Multi-account household view with advanced multi-currency (USD/CAD) handling
- Shareable model portfolios and goal-tracking what-if scenarios
Trade-offs
- Rebalancing-first: the broader tracking and analytics are lighter than dedicated trackers
- No native mobile app (web only) and no benchmark-vs-index comparison found
- Requires linking a brokerage — no manual entry, no CSV import
- Narrow asset scope (stocks/ETFs); no native crypto, health score, tax reports or AI
- The best value is really the paid Elite ($99/year)
Passiv vs PortfolioGlance
Passiv does one thing better than almost anyone: connect to your broker and rebalance you back to target with a click — and it reports a proper time-weighted return (TWRR). But it is a rebalancing tool first, so the broader tracking is thin: no money-weighted return, no benchmark, health score, dividend forecast, tax report or AI, and no manual entry or CSV. PortfolioGlance is a full tracker: both time- and money-weighted returns, a portfolio health score, benchmark, goal projection and a named AI layer, working from manual entry or CSV as well as sync. If one-click rebalancing at your Canadian broker is the job, Passiv does it; understanding and improving the whole portfolio, not just realigning it, is where PortfolioGlance comes in.
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This overview is editorial and for information only — not financial advice or an endorsement. Features and pricing may have changed since publication; check the official site for the latest details.