Your money, in one clear picture.

Type in what comes in and what goes out each month. You’ll instantly see where it’s going, how much you’re saving, and what’s actually left over — no spreadsheet, no sign-up.

🇨🇦 Made for Canada · CAD $Takes about 2 minutes50 / 30 / 20 check included
Step 1 · Money in

Your monthly income

Use take-home pay — what actually lands in your bank account after tax.

Total in$0
💡 Paid every 2 weeks? Pick “Every 2 weeks” above — the calculator converts it to a monthly amount for you (× 26 ÷ 12). Don’t annualize it yourself.
Needs · Target 50%

The essentials

Bills you have to pay to live and work.

Needs$0
Wants · Target 30%

The fun & flexible stuff

The spending you could cut if you had to — be honest here, that’s where budgets leak.

Wants$0
Savings · Target 20%

Paying yourself & your future

Treat this like a bill, not whatever is left at month-end.

Savings$0

How to read your result

  1. Left over should be $0 or positive. Negative means the plan doesn’t fit the income yet — not a failure, just information.
  2. 50/30/20 is a guide, not a grade. In Toronto, Vancouver and other high-rent cities, needs at 60–65% is common. What matters is the trend, not perfection.
  3. Savings rate = savings ÷ income. 20% is a strong long-term target; 10% is a solid start; any consistent amount beats $0.
For education only — not personal financial advice. Your numbers stay in this page; nothing is saved or sent anywhere. For a plan built around your TFSA, RRSP, taxes and goals, talk to a qualified Canadian financial planner.
Left over$0 / mo
Saving0%
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