RETrackerBoth Stessa and RETracker track rental income, expenses and performance. The difference is geography: Stessa is built for US landlords (USD, US banks, IRS Schedule E), while RETracker is built for Canadian investors (CAD, Canadian bank sync, CRA Form T776, and Québec welcome-tax math). If your properties are in Canada, that difference decides it.
The short answer
If you invest in the United States, Stessa is an excellent, free choice. If you invest in Canada, RETracker fits the way you actually bank, analyze and file — in CAD, with Canadian institutions, and with records that map to Form T776 instead of Schedule E.Side-by-side
| Feature | Stessa | RETracker |
|---|---|---|
| Primary market | United States | Canada |
| Currency | USD | CAD |
| Bank connections | US banks | Canadian banks |
| Rent & expense tracking | Yes | Yes |
| Portfolio equity & projections | Limited | Yes |
| Deal analyzer (cap rate, CoC, IRR, DSCR) | Partial | Yes |
| Tax report | IRS Schedule E | Maps to CRA T776 |
| Welcome / land-transfer tax | No | Yes (Québec) |
| Language | English | English & French |
| Pricing | Free + US$12 / US$28 mo | From CA$9/mo, 14-day trial |
Stessa details reflect its public pricing and help pages as of 2026 and can change — verify current features on stessa.com. RETracker plans: CA$9 / $29 / $69 per month.
Where Stessa wins
- It is genuinely free to start, with paid tiers only for advanced features.
- It is mature and polished for US landlords, with US banking and Schedule E exports.
- If you own US rentals, it is one of the best tools available.
Where RETracker wins for Canadians
- Canadian bank sync in CAD — your real accounts, no conversion.
- Portfolio-level equity and cash-flow projections, plus a deal analyzer for cap rate, cash-on-cash, DSCR and IRR.
- Records aligned to CRA Form T776, not Schedule E.
- Québec welcome-tax (droits de mutation) math and bilingual EN/FR support.
Which should you choose?
Choose Stessa if your portfolio is in the US. Choose RETracker if your portfolio is in Canada — and especially in Québec, where the welcome tax, plex analysis and bilingual records matter. You can try RETracker free for 14 days and connect your accounts before deciding.Frequently asked questions
Is RETracker a Stessa clone?
No. It solves the same job — tracking rental performance — but for Canadian investors: CAD, Canadian bank sync, CRA T776 alignment, portfolio projections, a deal analyzer, and Québec welcome-tax math.
Is Stessa free? Is RETracker free?
Stessa is free to start with paid tiers (about US$12 and US$28/month). RETracker offers a 14-day free trial with CAD plans from about $9/month.
Which is better for taxes in Canada?
RETracker, because it organizes income and expenses to map to CRA Form T776. Stessa's automated tax report targets the US Schedule E.
Can I use both?
You could, but for a Canadian portfolio there is little reason to — a Canada-first tracker covers bank sync, analysis and tax records in one place.
Keep reading
Stessa alternative in Canada
Why Canadians outgrow US-built trackers.
Best rental tracking apps
What Canadian investors should actually look for.
Rental income & taxes
Reporting rent on CRA Form T776, the right way.
How to analyze a rental deal
The four numbers every Canadian investor runs before buying.
Sources
- Stessa — Pricing
- Stessa Help Center — Bank connections
- CRA — Completing Form T776, Statement of Real Estate Rentals
See your Canadian portfolio the way it should look.
RETracker: CAD, Canadian bank sync, deal analysis, T776-ready. 14-day free trial.