A portfolio tracker for DIY investors

You own more than your holdings say.

ETFs hide what you actually own. Northyield peels back the layers to show your true exposure across every account. Get honest, deposit-adjusted returns, predictable dividend forecasts, and native CAD/USD tracking without the math quietly falling apart.

All accounts USD/CAD —

Portfolio value $312,480 CAD, FX-adjusted

Projected income $11,940 next 12 mo · $995/mo avg

Yield on cost 4.62% current yield 3.81%

Gain / loss +$41,205 +15.2% · XIRR 9.4%

Income by month 4 payers raised · 0 cut

612

704

1,472

656

752

1,536

688

784

1,616

736

832

1,728

JanFebMar AprMayJun JulAugSep OctNovDec

Next payments

ENB.TO $94.20 Pays Aug 15 · ex Jul 31 Declared

RY.TO $78.00 Pays Aug 22 · ex Jul 24 Declared

SCHD US$61.40 Pays Sep 24 · ex Sep 22 Estimated

FTS.TO $56.85 Pays Sep 01 · ex Aug 18 Estimated

Largest exposures — including shares held inside your ETFs

Royal Bank 8.9%

3.0% held directly · 5.9% via VDY, ZDV, XEI

Apple 6.2%

1.1% held directly · 5.1% via SCHD, VTI

Enbridge 5.4%

4.4% held directly · 1.0% via ZDV

Bought directly Held inside a fund

Sample data. Income arrives lumpy because most companies pay quarterly — that shape is what you plan around.

Get early access when it's ready

Northyield is currently under active development. Leave your email, and we'll send an invite the moment a working build is ready — just a couple of build updates, zero marketing clutter.

If this existed today, which would matter most to you? (pick one to join)

Most valuable feature Real exposure through my ETFs Returns that count deposits Dividend income planning CAD + USD in one place No brokerage login Something else

You're on the list. We'll be in touch when there's something real to use — and we may reply personally to ask what you're using today. Answering is optional.

Why the tools you already have fall short

Accounts are fragmented

TFSA, RRSP, FHSA, Taxable... when your wealth is split across multiple accounts and brokerages, no single view tells you what your total portfolio is actually doing.

ETFs create hidden concentration

Buy VDY or SCHD alongside individual bank or tech stocks, and you're far more concentrated than your broker's summary suggests. Your fund holdings are an invisible blind spot.

Spreadsheets suck

Fragile formulas, manual FX conversion, and missing cash flow math. The moment you make a new deposit, a standard spreadsheet calculation stops telling the truth about your performance.

What it does

True Exposure: Counting what's inside your funds. Single-name, sector, and geographic weights that include the shares your ETFs hold on your behalf — not just what sits in your direct holdings list.
Honest Returns: Adjusted for cash flows. Time-weighted and money-weighted (XIRR) returns side by side, benchmarked against your choice of index so a mid-month deposit doesn't artificially distort your gain.
All Accounts, One Picture: Separate or combined. Track registered, taxable, and family accounts individually, then roll them up into a single, unified view.
Income You Can Plan Around: 12-month forward dividend projection. Calculated from declared payouts and historical schedules, with yield on cost measured against what you paid. Estimates are clearly marked.
CAD + USD Dual Currency: Two currencies, zero manual FX math. Returns and values automatically adjusted for currency fluctuations, giving you a true consolidated base-currency figure.
Privacy-First (No Brokerage Login): Manual entry and CSV import only. No financial aggregators, no linking bank credentials, and no read/write access to your accounts. Your data remains yours, fully exportable anytime.

Where this actually stands

This product isn't launched yet. We're sharing the concept before writing the core code to confirm that other investors face this exact problem.

What you see in the preview above is sample data showing the planned design, not a live app.

If this solves a real headache for you, joining the waitlist is the most helpful thing you can do right now. And if you think standard trackers are already good enough, we'd love to hear why — send us an email.