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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
$
$1,500$40,000
Categories
🏠Rent / Mortgage$
🛒Groceries$
🚗Transport$
🍽️Dining out$
📺Subscriptions$
🎮Entertainment$
💸Other$
🏦Savings$
💳Debt repayment$
The Arena
BalancedSurplus
$380
Needs54% / target 50%
Wants13% / target 30%
Saves24% / target 20%
Total spent
$4,120
Savings rate
24%
After 1 year
$4,560
Reach a goal
$
$1,000$100,000
mo
6120
$626/mo
On trackneeded to reach $25,000 in 36 months - assuming 7% in a TFSA.
You're already on pace - your current surplus plus savings get you there.
If you keep this up...
In 5 years
$27,205
at 7% in a TFSA
In 10 years
$65,772
at 7% in a TFSA
In 20 years
$197,952
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
- →Great balance! Keep automating your savings and you're set.