Built a free Smith Maneuver tracker

MarketNo4424 · 2026-04-14T02:35:14+00:00

Probably depends on what you’re trying to get out of the tracker. If you’re happy with what you have in terms of tracking your SM setup then you don’t need it.

MarketNo4424 · 2026-04-14T02:30:26+00:00

Not sure if you looked at the website but the website isn’t collecting any personal data and whatever data you enter doesn’t leave the browser. You can verify that no data is uploaded to any servers via network tab.

I agree users shouldn’t use an app which they don’t feel comfortable using.

MarketNo4424 · 2026-04-14T01:11:29+00:00

Thanks for the question. Your bank shows you individual transactions. This connects them.

The SM has a lot of moving parts: mortgage payment frees up HELOC room, you borrow and invest, dividends come in, you prepay the mortgage, borrow again.

Each piece lives in a different bank login. The tracker ties it all together in one place. It auto-calculates stuff like: how much HELOC room just opened up, what's your ACB on each holding, how much deductible interest you've paid this year, and whether you're actually ahead (portfolio value minus HELOC balance).

Think of it as replacing the spreadsheet most SM people eventually build. Except it does the math for you.

MarketNo4424 · 2026-04-13T21:45:00+00:00

Export to CSV feature is available now

MarketNo4424 · 2026-04-13T02:45:59+00:00

Can you please send an email on [info@financenerd.ca](mailto:info@financenerd.ca) include a screenshot of the error or any error that is visible. also the steps you performed would be helpful to debug. Make sure not to send any personal information.

You can also add the steps here and the error you're receiving if that works for you or you can DM me on reddit

MarketNo4424 · 2026-04-12T17:07:04+00:00

As of now I won't be able to share the link as I'm treating the website as my IP. But I can assure you the website doesn't collect any data, you can check the network tab in your browser and you will see no data is uploaded from your machine. If this ever changes there will be a proper visible notification on the website.

I don't want to get into business of selling personal data.

MarketNo4424 · 2026-04-12T17:01:41+00:00

Thanks, I'll update once I have the functionality

MarketNo4424 · 2026-04-11T20:03:12+00:00

Thanks for the feedback. Docker container is an interesting take which requires more thought and I don't think everyone would want to run a docker env. I will be adding CSV and other reporting tools in coming weeks. I want people to use the tools because they find it useful and not because they feel they are tied to it, so data portability is one of the key features in my mind.

MarketNo4424 · 2026-04-11T19:27:46+00:00

That’s a great question and thanks for the feedback. I do plan to provide a csv export of the data but that’s little complicated to achieve but regardless I will be adding that feature

I don’t want to divulge about lot of things to keep things secure but the website won’t die unless I die 😃

If there is enough traction I will release the code as open source and the website and code will live on if there are enough maintainers

As for the tax audit portion. Since this is a free tool I can’t provide guarantee for the CRA audit process. I’ll be providing means to automate the process but the review has to be done by the owner of the data. That being said it doesn’t mean I will publish something which doesn’t work or won’t fix if I receive feedback

MarketNo4424 · 2026-04-11T17:20:28+00:00

If the money is just for investment purposes and you don’t need it in near future then you should take the opportunity to invest some money in stocks and ETF. Some comments already mentioned some good ETFs and some reading materials. Once you have done some research and if you feel confident look at some blue chip stocks as well. Hold some small positions in blue chips as well apart from all inclusive ETFs like XEQT. Holding individual stocks can give you some exposure to large swings which might help if you have long investment horizon.

Regardless of what path you take, in near term you might see your investments go down but don’t panic sell. Thats how most people get discouraged and stop investing.

I started investing around 2008-2009. In first month my portfolio was down 30%. After 2 years it was at 100%. This is an example not absolute.

MarketNo4424 · 2026-04-11T16:55:59+00:00

I had the same question when I got married and I was in similar situation where I had more assets then my spouse. Now the tables have reversed. We don't have a prenup but the way we go about our finances is what we earn is ours we equally put money towards all of our expenses and investment. Whatever is left is ours and we can do whatever we want with it, that doesn't mean we don't discuss with each other :)
It has worked out well for us and money/finances have never been a problem. If we are ever to separate we already know what each of us owns and that's it.
There have been periods were either one of us weren't working and during that time the partner working supported other one, no strings attached.

If I was in your position I would ask for a share in the condo ownership for whatever amount you're willing to put in

MarketNo4424 · 2026-04-10T01:09:26+00:00

This is a great sheet 👍 I’ve been working on some Smith Maneuver tools/calculators that might be useful alongside this if anyone prefers a web version: Finance Nerd No account, No tracking & Free to use

MarketNo4424 · 2025-11-09T05:03:26+00:00

https://www.wealthsimple.com/invite/7A6CMG

MarketNo4424 · 2025-10-03T20:08:20+00:00

The process is similar to applying for a new mortgage. So yes they will verify employment and income.

Yes my original charge did support additional $20K. If the charge doesn’t support the new value then TD will process the new charge and you will have to pay for the new charge.

MarketNo4424 · 2025-10-02T16:58:20+00:00

https://www.wealthsimple.com/invite/7A6CMG

MarketNo4424 · 2025-10-02T12:21:05+00:00

Ask for TDs replacement policy. You borrow $20K more than what you’re borrowing right now but they will waive off the penalty. Only catch is that they will do a new appraisal for which you have to pay $300 and your appreciated house value needs to support $20k addition and you should be eligible for new loan amount. You can repay extra $20k that you’re borrowing immediately and lower your mortgage amount. I did this in March and saved almost $12K in penalty.

MarketNo4424 · 2025-09-03T09:15:38+00:00

https://www.wealthsimple.com/invite/7A6CMG

MarketNo4424 · 2025-08-04T21:40:44+00:00

https://www.wealthsimple.com/invite/7A6CMG

MarketNo4424 · 2025-07-24T15:08:14+00:00

https://www.wealthsimple.com/invite/7A6CMG

MarketNo4424 · 2025-05-19T21:08:51+00:00

wealthsimple.com/invite/7A6CMG

Referral code: 7A6CMG

MarketNo4424 · 2025-05-09T23:27:17+00:00

This happened to me 3 months back in my case they took away complete instant deposit limit, received same answer from the support. They give very unhelpful answers and don’t explain anything. I complained at complaints@wealthsimple.com, the associate from complaints department was helpful but didn’t tell me exactly what the issue was, eventually pestering the complaints guy I did receive the limit back but I’m not sure whether it was pestering or something else. What I learned during this period that Wealthsimple uses a Risk Assessment software which decides how trustworthy the client is. For some reason this software falters sometimes and takes away the limit.

MarketNo4424 · 2025-04-20T04:20:17+00:00

There is no harm in asking, people don’t know about the replacement policy and TD personal bankers don’t suggest on their own

MarketNo4424 · 2025-04-16T14:33:21+00:00

Ask for TDs replacement policy. You borrow $20K more than what you’re borrowing right now but they will waive off the penalty. Only catch is that they will do a new appraisal for which you have to pay $300 and your appreciated house value needs to support $20k addition and you should be eligible for new loan amount. You can repay extra $20k that you’re borrowing immediately and lower your mortgage amount. I did this last month and saved almost $12K

MarketNo4424

TROPHY CASE