Loaded from cloud · Saved Jul 7, 2026
| Line item | Budget | Actual | Remaining |
|---|---|---|---|
| Household (Fixed) | |||
| House Mortgage | $2,441.50 | $563.38 | $1,878.12 left |
| Property Taxes (Jan-Oct) | $580.64 | — | $580.64 left |
| Life Insurance (Bryan & Ashley) | $99.98 | — | $99.98 left |
| Home & Auto Ins (Aug Rewl) | $339.26 | — | $339.26 left |
| Home Internet | $67.80 | $67.80 | $0.00 left |
| Cell Phones | $140.12 | — | $140.12 left |
| Household (Variable) | |||
| Amazon / Online Shopping | $650.00 | $151.40 | $498.60 left |
| Grocery | $1,500.00 | $261.61 | $1,238.39 left |
| Gas | $400.00 | $168.09 | $231.91 left |
| London Hydro | $203.93 | — | $203.93 left |
| Enbridge Gas | $106.35 | — | $106.35 left |
| Restaurants | $200.00 | $7.08 | $192.92 left |
| Automotive & Parking | $100.00 | — | $100.00 left |
| Household & Home Improvement | $500.00 | $70.06 | $429.94 left |
| Clothing & Personal | $0.00 | — | — |
| Alcohol & Entertainment | $100.00 | — | $100.00 left |
| Medical & Dental | $150.00 | — | $150.00 left |
| Miscellaneous & Gifts | $75.00 | — | $75.00 left |
| Travel / Vacations | $300.00 | — | $300.00 left |
| Streaming Service | $83.03 | — | $83.03 left |
| Bryan | |||
| Personal | $300.00 | — | $300.00 left |
| Apple iCloud / G-Drive | $14.63 | — | $14.63 left |
| Software / AI / Website | $54.81 | — | $54.81 left |
| Retirement Saving (TFSA) | $0.00 | — | — |
| Ashley | |||
| Personal | $0.00 | — | — |
| Gym Membership | $67.17 | $67.17 | $0.00 left |
| Retirement Saving (TFSA) | $0.00 | — | — |
| Kids | |||
| Daycare | $946.00 | $473.00 | $473.00 left |
| Before/After School Program | $0.00 | — | — |
| Regan RESP | $0.00 | — | — |
| Harrison RESP | $0.00 | — | — |
| Kids Budget | $300.00 | $14.88 | $285.12 left |
| Total | $9,720.22 | $1,844.47 | $7,875.75 left |
| Expense | $/mo now | Pay via | Change 1 | New $/mo | Change 2 | New $/mo | Change 3 | New $/mo | Change 4 | New $/mo | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Household (Fixed) | |||||||||||
House Mortgage✎ | — | — | — | — | |||||||
Property Taxes (Jan-Oct)✎ | — | — | — | — | |||||||
Life Insurance (Bryan & Ashley)✎ | — | — | — | — | |||||||
Home & Auto Ins (Aug Rewl)✎ | Aug 2026 | +5.0% | — | — | — | ||||||
Home Internet✎ | — | — | — | — | |||||||
Cell Phones✎ | — | — | — | — | |||||||
| Subtotal | $3,572.53 | $3,589.49 | |||||||||
| Household (Variable) | |||||||||||
Amazon / Online Shopping✎ | — | — | — | — | |||||||
Grocery✎ | — | — | — | — | |||||||
Gas✎ | — | — | — | — | |||||||
London Hydro✎ | — | — | — | — | |||||||
Enbridge Gas✎ | — | — | — | — | |||||||
Restaurants✎ | — | — | — | — | |||||||
Automotive & Parking✎ | — | — | — | — | |||||||
Household & Home Improvement✎ | — | — | — | — | |||||||
Clothing & Personal✎ | — | — | — | — | |||||||
Alcohol & Entertainment✎ | — | — | — | — | |||||||
Medical & Dental✎ | — | — | — | — | |||||||
Miscellaneous & Gifts✎ | — | — | — | — | |||||||
Travel / Vacations✎ | — | — | — | — | |||||||
Streaming Service✎ | — | — | — | — | |||||||
| Subtotal | $4,368.31 | ||||||||||
| Bryan | |||||||||||
Personal✎ | — | — | — | — | |||||||
Apple iCloud / G-Drive✎ | — | — | — | — | |||||||
Software / AI / Website✎ | — | — | — | — | |||||||
Retirement Saving (TFSA)✎ | — | — | — | — | |||||||
| Subtotal | $369.44 | ||||||||||
| Ashley | |||||||||||
Personal✎ | — | — | — | — | |||||||
Gym Membership✎ | — | — | — | — | |||||||
Retirement Saving (TFSA)✎ | — | — | — | — | |||||||
| Subtotal | $67.17 | ||||||||||
| Kids | |||||||||||
Daycare✎ | Sep 2026 | -50.0% | — | — | — | ||||||
Before/After School Program✎ | Sep 2026 | — | — | — | |||||||
Regan RESP✎ | — | — | — | — | |||||||
Harrison RESP✎ | — | — | — | — | |||||||
Kids Budget✎ | — | — | — | — | |||||||
| Subtotal | $1,246.00 | $1,025.70 | |||||||||
| Item | Current | Change 1 | Value | Change 2 | Value | Change 3 | Value | Change 4 | Value |
|---|---|---|---|---|---|---|---|---|---|
| Gross salaryannual | — | — | — | — | |||||
| Employer RRSPmonthly flat, pre-tax | — | — | — | — | |||||
| Employee RRSPmonthly flat, post-tax | — | — | — | — |
| Item | Current | Change 1 | Value | Change 2 | Value | Change 3 | Value | Change 4 | Value |
|---|---|---|---|---|---|---|---|---|---|
| Gross salaryannual | — | — | — | — | |||||
| Union duesmonthly flat, pre-tax | — | — | — | — | |||||
| OMERS contributionmonthly, pre-tax — reduces taxable income, not CPP/EI base | — | — | — | — | |||||
| Group Benefitsmonthly, post-tax — reduces take-home, no tax impact | — | — | — | — |
| Item | Current | Change 1 | Value | Change 2 | Value | Change 3 | Value | Change 4 | Value |
|---|---|---|---|---|---|---|---|---|---|
| AFNI (prior year combined net income)set each July after filing | — | — | — | — | |||||
| Children under 6count | — | — | — | — | |||||
| Children 6–17count | — | — | — | — |
Freeze a completed year's monthly income so future salary or tax changes don't rewrite history. Locked months show their frozen post-variance total; you can hand-edit any month afterward (e.g. bi-weekly extra-pay months).
Each point = income minus actual spend for that month · Only months with logged transactions appear
No scheduled changes this year to date.
Test how different incomes affect your surplus, holding your budgeted expenses constant. Column 1 is your current reality; edit Scenarios A and B to compare. Gross salaries run through the full tax engine, and AFNI drives CCB.