Canadian Net Worth & Debt Payoff Tracker

Know where you stand, and when you'll be debt-free.

What's inside

- Accounts: everything you own or owe, with Canadian types built in: TFSA, RRSP, FHSA, RESP, pension, non-registered, home, vehicle, credit cards, lines of credit, student, car and mortgage loans.

- Monthly balance snapshots: each account shows its latest balance automatically, plus a reminder when the last snapshot is more than 45 days old.

- Net worth today as one big number, plus a net-worth-over-time chart.

- Assets vs debts board and an assets-mix chart.

- Debt payoff plan: avalanche (highest rate first) and snowball (smallest balance first) views. For each debt you get monthly interest, months left, an estimated payoff month and approximate total interest, plus a warning if the payment doesn't cover the interest.

- Payments log: minimum, extra and lump-sum payments, with a paid-per-month chart and a paid-this-year total for each debt.

- A start-here guide and Canadian tips (RRSP balances are before tax; TFSA room isn't a balance), plus sample data.

Honest about the numbers

Payoff dates are estimates using standard amortization maths. They assume a fixed rate, the same monthly payment and no new borrowing. Example from the sample data: a CA$1,420 Visa at 20.99% paid at CA$90/month is paid off in about 19 months.

How you get it

This is a digital product. You get a PDF with the template's duplicate link. Open it, click the link, press Duplicate, and the template is copied into your own Notion workspace. No physical item is shipped. A free Notion account is required.

Good to know

- Works on Notion's free plan. One thing to know: Notion's free plan shows only one chart per workspace, so if you're on the free plan you'll see 1 of the 4 chart views. Everything else (tables, formulas, boards, calendar) works fully.

- Works in Notion on the web, desktop and mobile. Setting it up is easiest on a computer.

- Personal use licence. Please don't share or resell the link or the template.

- The screenshots in the photos are real, taken from the template with sample data.

For tracking and information only. Not financial, tax or investment advice. Not affiliated with, or endorsed by, Notion Labs or the Canada Revenue Agency.

Made by Loonie Ledger with the help of AI tools: the template, formulas and images were designed and built with AI assistance, then tested in Notion. The CRA figures were checked against canada.ca.