cr-tracker 0.23.0

A tool to track your TFSA Contribution Room from Questrade and Wealthsimple

Contribution-Room-Tracker

A tool to track your TFSA Contribution Room from Questrade & Wealthsimple.

Change log

Version '0.20.0' introduced the functionality to pull data from Wealthsimple via Wsimple api and calculate
contribution room for Wealthsimple exclusively or combined with Questrade.

Installation

• Use pip:

  pip install cr-tracker

Getting Started

Connect To Wealthsimple to get Deposits & Withdrawals

This will ask for OTP if enabled

import cr_tracker as CR
df_ws=CR.Wsimple_data(email, password)

Calculate Contribution Room from Wealthsimple only

contribution_room_ws

Accepts: df_ws,given_year=None, given_contr_room=None, open_year=2009, birth_year=1990

The method that contribution_room is calculated is determined by which parameters are inputted by the user
FOR BEST RESULTS: Use the Contribution Room from your CRA My Account on January 1 of the given year

given_year is the year from CRA when you login to CRA My Account
given_contr_room is the contribution room from CRA when you login to CRA My Account
open_year is the year that the Account was opened. Default value is 2009- when the TFSA was first introduced birth_year is the year that the user was born. Default value is 1990- those born before 1990 were 18 years old in 2009

Below is the hierarchy of the contribution room. This function will choose the first method above, that is available

1. If given_year and given_contr_room are both provided, only account activity in the given_year and onwards will be used
2. If either given_year or given_contr_room are not provided then the search period will be from open_year
3. If open_year is not provided then the search period will start when the user turned 18 (after 2009)
   based on the birth_year

x=CR.contribution_room_ws(df_ws,given_year=2024, given_contr_room=20000)
x[2]

Get the refresh token from Questrade

1. Familiarise yourself with the Security documentation for the Questrade API.
2. Generate a manual refresh token
   1. Login to questrade.com
   2. Account Drop Down > Click 'App hub' > Click 'Register a Personal App'
   3. Ensure 'OAuth scopes' retrieve balances, positions, orders and executions is checked
   4. Under Personal apps, Click '+ New Device' > Click 'Generate New token'
   5. Copy this token!
      

Connect to Questrade

   import cr_tracker as CR
   
   CR.connect_questrade(token=ikWQKJHLKJdfdjza5a_0EyivzTJk8hfg9b0)

Important: A token will be created at ~/.questrade.json and used for future API calls

• If the token is valid future initiations will not require a refresh token

If there is already a valid token, you can simply connect to questrade without declaring a token

import cr_tracker as CR
CR.connect_questrade()

Calulating your Contribution Room for both Questrade and Wealthsimple Combined

Contribution Room

Accepts: given_year=None, given_contr_room=None, open_year=2009, birth_year=1990, token=None,df_ws=None

The method that contribution_room is calculated is determined by which parameters are inputted by the user
FOR BEST RESULTS: Use the Contribution Room from your CRA My Account on January 1 of the given year

given_year is the year from CRA when you login to CRA My Account
given_contr_room is the contribution room from CRA when you login to CRA My Account
open_year is the year that the Account was opened. Default value is 2009- when the TFSA was first introduced birth_year is the year that the user was born. Default value is 1990- those born before 1990 were 18 years old in 2009

Below is the hierarchy of the contribution room. This function will choose the first method above, that is available

1. If given_year and given_contr_room are both provided, only account activity in the given_year and onwards will be used
2. If either given_year or given_contr_room are not provided then the search period will be from open_year
3. If open_year is not provided then the search period will start when the user turned 18 (after 2009)
   based on the birth_year

x=CR.contribution_room(given_contr_room=35500,given_year=2022,token=iksxxxxxxxxxx_0Eyivxxxxxxxb0)
x

=> start_year is 2022
Questrade time is: {'time': '2024-01-03T17:46:46.904000-05:00'}
Successfully Connected to Questrade
TFSA  account list: ['5173xxxx', '5196xxxx', '5205xxxx']
DatetimeIndex(['2022-01-31', '2022-02-28', '2022-03-31', '2022-04-30',
               '2022-05-31', '2022-06-30', '2022-07-31', '2022-08-31',
               '2022-09-30', '2022-10-31', '2022-11-30', '2022-12-31',
               '2023-01-31', '2023-02-28', '2023-03-31', '2023-04-30',
               '2023-05-31', '2023-06-30', '2023-07-31', '2023-08-31',
               '2023-09-30', '2023-10-31', '2023-11-30', '2023-12-31',
               '2024-01-31'],
              dtype='datetime64[ns]', freq='M')
grabbing activity from 2022-01-31 00:00:00 to 2024-01-31 00:00:00 for TFSA: 5173xxxx. Completed 0 % 
Processing 2022 for account 5173xxxx
Processing 2023 for account 5173xxxx
Processing 2024 for account 5173xxxx
grabbing activity from 2022-01-31 00:00:00 to 2024-01-31 00:00:00 for TFSA: 5196xxxx. Completed 33 % 
Processing 2022 for account 5196xxxx
Processing 2023 for account 5196xxxx
Processing 2024 for account 5196xxxx
grabbing activity from 2022-01-31 00:00:00 to 2024-01-31 00:00:00 for TFSA: 5205xxxx. Completed 66 % 
Processing 2022 for account 5205xxxx
Processing 2023 for account 5205xxxx
Processing 2024 for account 5205xxxx
Grabbing Activity Completed-100%
Today's date: 2024-01-03
Your current contribution room is: $ 9xxxxxxx.5xxxxxxx
Next Year's Contribution room on Jan 1 2025 is:  $9xxxxxxxx.5xxxxxxxxx

contribution_room returns a list of 3 items

[current contribution room, Next Year's Contribution, panda's dataframe with the summarized results ]

x[0]
=> 9xxxxxxx.5xxxxxxx
x[1]
=> 9xxxxxxx.5xxxxxxx
x[2]
=> 
| New_Year_Dollar_Limit | Contr_Room_Jan1 | Year | Deposits | Withdrawals | Current_Contr_Room |

create_df

Creates a dataframe containing the activity from questrade

 CR.create_df(start='2023-09-01', end='2024-01-01', account_type='TFSA',token=None):

Accepts: start='2009-01-01', end=str(date.today() + timedelta(days=30)), account_type='TFSA',token=None

start is the beginning of the activity search period
end is the end of the activity search period
account_type can be ['TFSA','RRSP','FHSA']

max_contr_room_Limit

Calculates the Maximum contribution room based on your birthday in a given year

CR.max_contr_room_Limit(birthyear=2000,end_yr=2024):

Accepts: birthyear=1900, end_yr=date.today().year

birth_year is the year that the user was born. Default value is 1990- those born before 1990 were 18 years old in 2009
end_yr is the given year or the year you want to calculate the max contribution room for