Everyday life
Budget & Cash Flow
Where does your money go each month?
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Budget & Cash-Flow
Financial Reality Check
A fuller picture of what comes in, what goes out, and what your money could support next.
Start with income, then open each spending area. Blank fields count as zero. Results update as you type. All amounts are Canadian dollars; weekly amounts use 52 weeks and every-two-week amounts use 26 payments per year.
Your calculator entries stay in this page’s memory. They are not submitted or saved by this calculator, and refreshing clears them. No name or email is required.
01 · Income$0/mo
Use take-home amounts after tax and payroll deductions. Business income must already be net of business costs and tax reserves. Do not enter the same income twice.
Enter what you receive after tax and payroll deductions. Choose how often you receive this amount.
Your partner's pay after tax and payroll deductions. Do not repeat income entered elsewhere.
Money available for your household after business expenses and setting aside tax. Do not enter total sales or count your salary again.
Benefits your household actually receives. Enter the payment amount and choose its frequency; this tool does not calculate eligibility.
Rental income left after property expenses and setting aside tax. Do not deduct the same property costs again elsewhere in the budget.
Pension or other income available to spend after tax. Include only income not already entered above.
02 · Housing & household$0/mo
Mark the costs you would still need to pay if income stopped. Suggested selections are editable; for mixed expenses, use your own judgement.
Your regular housing payment. If your lender collects property tax with the mortgage, separate it here or avoid entering that tax again below.
Choose Yearly if you enter your annual property tax bill. Exclude tax already included in your mortgage payment above.
Enter what your household spends on condo fees and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on home or tenant insurance and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on electricity, gas & water and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on phone & internet and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on maintenance & repairs and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on other household costs and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
03 · Transportation$0/mo
Mark the costs you would still need to pay if income stopped. Suggested selections are editable; for mixed expenses, use your own judgement.
Enter what your household spends on vehicle payments and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on auto insurance and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on fuel or charging and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on maintenance, tires & registration and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on parking & tolls and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on public transit and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on other transportation and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
04 · Food & dining$0/mo
Mark the costs you would still need to pay if income stopped. Suggested selections are editable; for mixed expenses, use your own judgement.
Enter what your household spends on groceries and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on restaurants & takeout and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on coffee & snacks and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
05 · Family & personal care$0/mo
Mark the costs you would still need to pay if income stopped. Suggested selections are editable; for mixed expenses, use your own judgement.
Enter what your household spends on childcare and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on school & education costs and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on children’s activities and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on clothing & personal care and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
What you personally pay after insurance or reimbursement, not the full bill if part is covered.
Enter what your household spends on support for parents or family and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on pet care and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on other family costs and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
06 · Debt payments$0/mo
Include required and extra repayments on existing debt. Exclude mortgage and vehicle payments already entered above. Do not count new credit-card purchases here if they are already included in spending.
Mark the costs you would still need to pay if income stopped. Suggested selections are editable; for mixed expenses, use your own judgement.
Payments toward an existing card balance. Do not count purchases again if you already entered them under groceries, shopping or other spending.
Payments toward an existing line of credit. Avoid counting the same repayment or purchase elsewhere.
Enter payments toward this existing debt and choose how often. Do not repeat mortgage or vehicle payments already entered elsewhere.
Enter payments toward this existing debt and choose how often. Do not repeat mortgage or vehicle payments already entered elsewhere.
Enter payments toward this existing debt and choose how often. Do not repeat mortgage or vehicle payments already entered elsewhere.
07 · Protection$0/mo
Only include premiums paid from take-home income. Exclude payroll deductions already removed from your income.
Mark the costs you would still need to pay if income stopped. Suggested selections are editable; for mixed expenses, use your own judgement.
Enter the premium you pay and choose how often. Exclude premiums already deducted from the take-home income you entered.
Enter the premium you pay and choose how often. Exclude premiums already deducted from the take-home income you entered.
Enter the premium you pay and choose how often. Exclude premiums already deducted from the take-home income you entered.
Enter the premium you pay and choose how often. Exclude premiums already deducted from the take-home income you entered.
08 · Lifestyle & irregular expenses$0/mo
Annual amounts help include costs that do not show up every month.
Mark the costs you would still need to pay if income stopped. Suggested selections are editable; for mixed expenses, use your own judgement.
Enter what your household spends on subscriptions & apps and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on entertainment and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on travel & holidays and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on shopping and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on fitness & memberships and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on gifts & celebrations and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on donations and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
Enter what your household spends on miscellaneous spending and choose how often. For an annual bill, enter the whole year's amount and select Yearly. Leave blank if it does not apply.
09 · Savings & investments$0/mo
Enter new contributions, not existing account balances. Avoid counting payroll contributions twice. Planned savings are not automatically affordable: check your remaining flexibility.
New money you plan to add to your Tax-Free Savings Account, not the existing balance. This tool does not check contribution room.
New money you plan to add to your Registered Retirement Savings Plan. Exclude contributions already deducted from your take-home pay. Contribution room is not checked.
New money you plan to add to your First Home Savings Account, not the balance. Eligibility and contribution room are not checked.
New money you plan to add to a Registered Education Savings Plan. Do not include grants as your own contribution; grants are not calculated here.
The amount you plan to add to emergency savings regularly. Enter the balance you already have in the separate emergency savings field.
New savings contributions not already entered above. Do not enter existing account balances.
Your emergency savings
Accessible cash set aside for unexpected needs, excluding credit limits and money already earmarked for bills or goals.
Cash you already have available for emergencies. Exclude credit limits and money reserved for bills or other goals. This is your current balance, not your monthly savings contribution.
Optional · Business overhead
These figures are a separate reference and are not deducted again from household cash flow. Your business income above should already be after these costs and tax reserves. Do not repeat household costs here.
Explore a change · What could a monthly amount become?
Choose an amount you could redirect toward a goal. This illustration is separate from your budget and does not change your entries.
An amount you could save each month. This illustration is separate from your budget and does not change your entries.
How many years you would keep adding this monthly amount.
An example yearly growth rate, not a guarantee. Enter 0 to see savings without growth. This illustration does not deduct fees or tax or adjust for rising prices.
Enter a monthly amount, years and annual return to see the illustration. Use 0% for no growth.
Uses end-of-month contributions and an annual effective return converted to a monthly rate. Return is hypothetical and not guaranteed. Excludes fees, taxes and inflation; actual returns vary and investments can lose value. A 0% assumption illustrates contributions only.
What would you like your money to do differently?
Choose what matters most to you. This helps frame your next step; it does not change the budget calculation or send an enquiry.
Your result is a starting point, not a recommendation.
Book a Financial CheckupEducational estimates only, not financial, tax, legal, investment or insurance advice, quotes or eligibility decisions. No tax or benefit calculation is performed. Estimates depend on the accuracy and completeness of your inputs. Review statements and seek advice suited to your circumstances. For guidance, see the FCAC budgeting guide.