Passiv
Keeps a Canadian brokerage account on its target allocation. The free plan does the math, Elite is $99 a year.
Index investors at a Canadian broker who want to stay on their target split without spreadsheet math are who Passiv serves. You set a model portfolio, Passiv watches the drift, works out which trades bring you back, and tells you when new cash or dividends are ready to invest. On the free Community plan you get the calculation and place the orders yourself. One-click execution at the broker comes with Elite. The catch is the front door: Passiv only works through a linked brokerage (via SnapTrade), with no manual entry and no CSV import, so a holding at an unsupported broker simply isn't there. Its help docs state the return is time-weighted (TWRR), but we found no chart against a market index.
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
Couch-potato investors at Questrade, Wealthsimple, IBKR or another supported broker who know their target split and just want to be told what to buy. Skip it if you hold anything outside those accounts, crypto included: Passiv can't see it, and you can't add it by hand.
Strengths
- Works out the exact trades to get back on target, and places them in one click on Elite
- The free plan alerts you to drift and to cash or dividends waiting to be invested
- Time-weighted return (TWRR), stated in its help docs, across several accounts in USD and CAD
Trade-offs
- No manual entry and no CSV import: if the broker isn't linked, the holding doesn't exist
- Stocks and ETFs from linked brokers only, with no crypto and no tax reports
- Web only, with no native phone app and no chart against a market index
Passiv vs PortfolioGlance
Passiv places the rebalancing trades at your broker, and we can't: we don't connect to any broker. If one click back to target is the whole job, Passiv does it better. We start from the other end. You add holdings by hand or from a CSV, crypto, property and deposits included, and see time- and money-weighted returns and how far each part has drifted from your target. The trades you then place yourself.
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Alternatives and rankings
This is our editorial review, not financial advice. Features and prices may have changed since we checked, so see the official site for the latest.