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Budget Planner
Track your income and spending. See your 50/30/20 zones in real time and find out what cutting just one category can do over a decade.
Monthly take-home
$4,500
$1,500$15,000
Categories
🏠Rent / Mortgage$1,800
🛒Groceries$450
🚗Transport$200
🍽️Dining out$240
📺Subscriptions$60
🎮Entertainment$150
💸Other$120
🏦Savings$600
💳Debt repayment$200
The Arena
BalancedSurplus
$680
Needs54% / target 50%
Wants13% / target 30%
Saves18% / target 20%
Total spent
$3,820
Savings rate
18%
After 1 year
$8,160
If you keep this up...
In 5 years
$48,683
at 7% in a TFSA
In 10 years
$117,698
at 7% in a TFSA
In 20 years
$354,230
at 7% in a TFSA
✂️
What if you cut one thing?
The biggest variable-expense categories — here's what cutting them by 20% does over 10 years.
🍽️ Cut Dining out by 20%+$8,308 in 10 yrs
📺 Cut Subscriptions by 20%+$2,077 in 10 yrs
🎮 Cut Entertainment by 20%+$5,193 in 10 yrs
What this means
- →Savings + debt repayment is below 20% — automate a transfer on payday.