See exactly what your Canadian dividends earned while you slept
Track your dividend income by month, see which bills it covers, and watch your snowball grow. Built for TFSA, RRSP, and FHSA accounts. No spreadsheet required.
Start tracking free →No credit card required · Setup takes minutes · 14-day Pro trial
How it works
Add your holdings
Type a .TO ticker or import from Wealthsimple or Questrade. We auto-fill dividend rates, frequencies, and payout dates for 116 verified Canadian ETFs.
Add your monthly expenses
Netflix, phone bill, mortgage — add the bills you want dividends to cover. Watch the progress bars fill up as your projected income increases.
Watch your snowball grow
EWYS projects your monthly income based on current distribution rates. Log your income each month and track your progress toward your income goals.
Income shown is projected based on current distribution rates, not real-time received dividends. Actual distributions may change.
What you get
- Monthly income at a glance — one number, front and center
- Daily morning email — wake up to what your dividends earned overnight
- Projected Annual Dividend Income (PADI) at a glance
- FI Ratio — see what percentage of your expenses are covered by dividends
- Payment calendar — see when each holding pays this month
- Expense coverage — know which bills your dividends cover
- Income growth chart — your snowball, visualized month over month
- Yield on cost and dividend growth tracking
- DRIP impact on your snowball
- Goal projector — model DRIP, steady, and accelerated paths to your income target
- Wealthsimple and Questrade import — drag and drop your CSV or Excel file
- TFSA, RRSP, FHSA, and non-registered account tracking
- 116 verified Canadian ETF frequencies — covered call ETFs, split corps, and more
Built for the Canadian market
- Semi-monthly payer support — BIGY.TO, CDAY.TO, and others that pay twice a month
- Prices in CAD — because that's what you actually earn
Built by a Canadian dividend investor
Tom
Coquitlam, BC
I built EarnedWhileYouSlept because my Google Sheets dividend tracker kept breaking. I hold MSTE.TO in my TFSA and wanted one thing: to know exactly what my money earned while I slept.
I wanted to see my income grow month over month, track my TFSA room, and finally have a tool that understands covered call ETFs.
— Tom
Free to start, Pro from $7/mo
Start with a 14-day Pro trial. No credit card required. After 14 days, you move to the Free plan — your data stays safe.
Free
$0/mo
Get started, no credit card
- 1 portfolio · 10 holdings
- Daily morning email
- Payment calendar + snowball chart
- Auto-fill dividend data
Pro Monthly
$7/mo
$84/year — or save $24 with annual
Everything in Free, plus:
- Wealthsimple & Questrade import with dividends & contributions
- Goal Projector with 3 paths, milestones & expense coverage
- Monthly income report (shareable)
- Allocation analysis
- TFSA/RRSP/FHSA contribution room tracking
- Unlimited portfolios, holdings & expenses
Pro Annual
$60/year
$5/mo · Save $24
Same features as Pro Monthly — one payment, one year. Save $24.
Start Pro trial →Prices in CAD · 14-day Pro trial · No credit card required · Cancel anytime
Frequently asked questions
Is this financial advice?
No. EarnedWhileYouSlept is a tracking and visualization tool. It does not provide financial, tax, or investment advice. Always consult a qualified advisor.
Is my data safe?
Yes. All connections are encrypted. Your data is stored securely on Cloudflare's infrastructure and never shared with third parties. We follow Canadian privacy law (PIPEDA). Brokerage import files are processed in your browser and never uploaded to our servers. No ads, no selling your information.
Can I import from my brokerage?
Yes. Import your Wealthsimple CSV or Questrade Excel file. Holdings, cost basis, and dividend history are imported from your brokerage file — review before saving. More brokerages coming based on user requests.
What happens after the 14-day trial?
You move to the Free plan automatically — no charge. Your data stays safe. You keep 1 portfolio, 10 holdings, 5 expenses, the daily email, and the payment calendar. Upgrade to Pro anytime to unlock everything.
How does EWYS calculate my income?
EWYS projects your monthly dividend income based on your holdings and their current distribution rates. For example, if you hold 100 shares of VDY.TO and its annual distribution is $2.10 per share, EWYS calculates $2.10 × 100 ÷ 12 = $17.50 per month. Income shown is projected, not real-time received dividends. Actual distributions may change.
Does it handle US dividends and withholding tax?
EWYS tracks holdings in any currency. For US dividends held in a TFSA, the 15% withholding tax is not recoverable. Holdings in an RRSP are exempt under the Canada-US tax treaty. EWYS helps you see which account holds what.
What is FHSA and does EWYS support it?
The First Home Savings Account lets you save up to $40,000 tax-free for a first home. EWYS supports FHSA as an account type so you can track dividend income growing inside it.
How accurate are the payment dates?
EWYS uses payment schedules from each fund provider's website for 31 popular Canadian ETFs. For other tickers, dates are estimated based on available data. Your brokerage may deposit the dividend 1 to 3 days after the fund's official payment date. Treat the calendar as a close estimate, not an exact schedule.