THE MONEY TOOLKIT
A simple planner and downloadable starting points. No account or financial information required.
YOUR MONTH, AT A GLANCE
Try the example, then change the amounts. Everything stays in this browser tab.
All amounts in Canadian dollars (CAD).A starting point for a decision, not a spending recommendation.
Illustrative cash-flow arithmetic only. Your own needs and circumstances determine a suitable plan.
Open the CSV in a spreadsheet app. Replace the blank amounts with your estimates, then add the actual figures when you review the month. The sheet has no built-in calculations; total and compare the columns yourself.
Download CSVAdd one account to each row and record the current terms from the provider. Include the date checked. Leave anything you cannot confirm marked unknown rather than guessing. This worksheet does not rank or recommend products.
Download CSVUse these prompts to keep a shared discussion focused. Choose one topic, distinguish known amounts from estimates and agree a next action. Adapt or skip a prompt that does not fit your circumstances.
Download TXTThe planner subtracts your three allocation categories from your monthly take-home income. It does not calculate taxes, investment returns, interest or eligibility for any product. The example is illustrative; replace it with numbers appropriate to the question you are exploring.
The worksheet files are plain CSV or text. Open CSV files in your preferred spreadsheet app and save a personal copy. They contain headings and blank fields, not hidden formulas or a connection to Altify. Keep completed files somewhere suitable for your own privacy needs.
The calculator runs in your browser tab. Altify does not send or save the amounts you enter. Reloading the page restores the example. Downloads do not require an account or an email address. For personalised financial or tax decisions, speak with an appropriately qualified professional.