Since Mint shut down in January 2024, Canadians have been searching for a replacement — while also navigating a new investing landscape where $0 commission trades are the norm. We tested the top apps in 2026 to find what actually works for Canadians.
Our Top Picks at a Glance
Best Investing Apps Canada 2026
Wealthsimple
What's included free:
- ✓$0 stock and ETF trading (CAD)
- ✓TFSA, RRSP, FHSA, RESP accounts
- ✓Robo-advisor (0.4–0.5% fee)
- ✓4%+ on uninvested cash
- ✓Wealthsimple Tax (free filing)
- ✓Spending & savings tools
Premium ($10/month): USD accounts (avoid ~1.5% currency conversion), real-time market data, tax-loss harvesting, priority customer service. Worth it if you trade US stocks or ETFs frequently.
Questrade
Best for investors who want advanced tools, margin accounts, USD accounts, or who trade US-listed ETFs (like VTI or VOO). Established in 1999, CIPF member, CIRO-regulated.
Best High-Interest Savings Accounts Canada 2026
| Institution | HISA Rate (Apr 2026) | Monthly Fee | e-Transfers | CDIC? |
|---|---|---|---|---|
| EQ Bank | 3.50–4.25% | $0 | Free unlimited | ✅ Yes |
| Simplii Financial | 2.50–3.50%* | $0 | Free | ✅ Yes |
| Tangerine | 2.25–3.00%* | $0 | Free | ✅ Yes |
| Wealthsimple Cash | ~4.00% | $0 | Free | ✅ Yes |
| Big 5 Bank HISA | 0.01–1.50% | Varies | Varies | ✅ Yes |
*Promotional rates may apply. Rates change with Bank of Canada policy decisions. Verify current rates directly with each institution.
Example: Emergency Fund in EQ Bank vs TD Savings
EQ Bank (4.00% HISA)
$20,000 emergency fund
Year 1 interest: $800
No fees, free e-Transfers
TD savings (0.50% HISA)
$20,000 emergency fund
Year 1 interest: $100
Difference: $700/year
Best Budgeting Apps for Canadians 2026 (Mint Alternatives)
Mint shut down January 1, 2024. If you're still looking for a replacement, here are the best Canadian-compatible options in 2026.
Monarch Money
Most feature-complete Mint replacement. Net worth tracking, all major Canadian bank syncing, budgeting, investment accounts. Clean interface.
YNAB (You Need A Budget)
Based on zero-based budgeting — every dollar has a job. Best for eliminating debt and building savings discipline. Strong Canadian bank connectivity.
Wealthsimple Spending
Built into the Wealthsimple app. Tracks spending from connected accounts, categorizes automatically. Less powerful than dedicated apps but free.
Full App Comparison Table (2026)
| App | Category | Cost | Rating | Best For |
|---|---|---|---|---|
| 🟢 Wealthsimple | Investing + Savings | Free (Premium $10/mo) | ⭐ 4.7 | Beginner to intermediate investors |
| 📊 Questrade | Investing | Free (commissions on stocks) | ⭐ 4.4 | Active traders & advanced investors |
| 🏦 EQ Bank | High-Interest Savings | Free | ⭐ 4.6 | Emergency funds & short-term savings |
| 💰 YNAB | Budgeting | $109 USD/year | ⭐ 4.5 | Serious budgeters & debt payoff |
| 👑 Monarch Money | Budgeting + Net Worth | $14.99 USD/month | ⭐ 4.4 | Mint refugees & net worth tracking |
| 🍊 Tangerine | Banking + Savings | Free | ⭐ 4 | No-fee banking with some savings |
Get Our Canadian Finance Apps Guide (Free PDF)
Step-by-step setup guides for Wealthsimple, EQ Bank, Questrade, and YNAB — including which accounts to open first.
Frequently Asked Questions
Is Wealthsimple safe for investing in Canada?
Yes. Wealthsimple is regulated by IIROC (now CIRO — the Canadian Investment Regulatory Organization) and member of CIPF (Canadian Investor Protection Fund), which protects accounts up to $1 million if Wealthsimple becomes insolvent. Cash in Wealthsimple Cash accounts is CDIC-protected up to $100,000. Wealthsimple is one of Canada's largest investment platforms with over 3 million users as of 2026.
What replaced Mint in Canada?
Mint shut down in January 2024. The best Canadian Mint alternatives in 2026 are: (1) Monarch Money — most feature-complete replacement, $14.99 USD/month, excellent Canadian bank connectivity; (2) YNAB (You Need A Budget) — best for zero-based budgeting, $109 USD/year; (3) Wealthsimple's built-in spending tracker (free, integrated with investments); (4) Copilot — $13/month, excellent UI. Many Canadian banks also have improved native budgeting tools.
What is EQ Bank's savings rate in 2026?
EQ Bank offers one of Canada's highest savings rates. As of April 2026, EQ Bank's Savings Plus Account offers approximately 3.50–4.25% on eligible deposits (rates fluctuate with Bank of Canada decisions). EQ Bank is a Schedule I bank in Canada and CDIC member (deposits insured up to $100,000). Unlike many high-interest savings accounts, EQ Bank offers no monthly fees and free Interac e-Transfers.
What's the difference between Wealthsimple Trade and Questrade?
Both are commission-free for Canadian stocks and ETFs. Key differences: Wealthsimple Trade is simpler, better UI, free for basic features, premium ($10/month) for USD accounts and market data. Questrade is better for active traders — real-time data, advanced order types, US stock purchases (commissions apply), and margin trading. Questrade charges $4.95–$9.95 for stock purchases but ETF purchases are always free. For passive index investing, Wealthsimple is fine; for active trading or US stocks, Questrade has advantages.
Are there free personal finance apps in Canada?
Yes: (1) Wealthsimple's spending tracker (free, integrated with your accounts); (2) Your bank's mobile app — most Big 5 banks now have built-in budgeting; (3) Splitwise for shared expenses; (4) PocketSmith has a free tier; (5) Many Canadians use a simple Google Sheets or Excel spreadsheet with a Net Worth template. Paid apps like YNAB ($109/year) or Monarch Money ($180 USD/year) offer better features for serious budgeters.
Can Americans use Canadian finance apps?
Most Canadian finance apps (Wealthsimple, EQ Bank, Questrade) are only available to Canadian residents with a Canadian SIN. Some budgeting apps like YNAB and Monarch Money work in both countries. If you're a new immigrant to Canada, you can open accounts with Wealthsimple and EQ Bank after receiving your SIN — Wealthsimple specifically has a newcomer-friendly onboarding process.
Set Up Your Financial Foundation
The right apps are just tools. Use our guides to make smarter decisions about where to invest and save your money.
Related Canadian Money Guides
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