Your family's money, checked every month.
Canada's tax and benefit rules, run on your whole household. No bank login.
Sample household
Statements to Oct 19
On track
5 of 6 fine
- Emergency fund — Fine
- Expensive debt — Fine
- Plan fits your income — Fine
- This month's spending — Fine
- Car fund — Watch
- Coming up — Fine
Illustrative household: Ottawa couple, one toddler, a mortgage. Engine output, not a user.
Know what's free this month.
Take-home, less the bills, your next move and the goals. Nothing to assign.
October · free to spend
$3,264
of $10,154 take-home
▏you usually spend $2,566
Bills
$5,076
RESP
$834
to Dec 31, for the grant
Car fund
$800
$600 + $200 to catch up
RRSP for 2026
$180
Spent to the 19th
$2,000
Still free
$1,264
Your mortgage, watched.
Renewal
May 1, 2027
Today
Oct 21
Shopping opens
Jan 1
Renews
May 1
Payment schedule
2.3 yrs sooner
The years with kids, priced.
RRSP, with a child
$329
back on every $1,000 · tax deferred
RESP grant
$500
unclaimed
$2,500 in by 31 December
$0 so far this year
Childcare ends
2029
2026
2027
2028
2029
2030
2031
$1,100/month until then · child benefit −$1,274/yr in 2030
And what you can stop worrying about.
Emergency fund is the right size
5.9 months covered
Mortgage renewal is not due
6 months out
Nothing has quietly gone up
5 recurring charges held
No foreign-exchange fees
5 months of statements
Sample · Toronto renter, saving to buy
Saving for a first home?
Open the FHSA now, even empty. Its room only starts once it exists.
Going in
30%
back
Coming out
$0
tax
It taps you only when it matters.
Never an amount on the lock screen.
Wednesday, October 21
9:41
On track
now
Car fund needs a look. Tap to see why.
- 13 of 13 provinces and territories, read at source
- Figures that expire
- Refuses rather than guesses
- Not an advisor
Am I good? Ask every month.
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