Your monthly baseline
Roughly what do your essential costs add up to each month? Rent, groceries, utilities, childcare. A rough number is fine.
Your numbers
These drive every calculation. Change them to fit you and where you live.
Your region's sales tax on services. Leave this blank if none applies.
Only if you belong to a union or professional association that takes a cut. Leave this blank if that doesn't apply.
Your split
Every surplus dollar gets a destination. Many people start around a 40/30/30 split (enjoy-life, savings, invest) and adjust as they learn their number. Rename, change or remove the pre-filled Vacation fund any time.
Money you can spend without guilt — on top of what your baseline already covers.
Remaining for investing: 100%
Whatever is left after tax, dues, savings and enjoy-life goes to Invest automatically. Open a self-directed investment account (RRSP, TFSA, brokerage, or your local equivalent) and make sure that money actually gets invested.
The core idea
Every payment you receive goes through a simple sequence: government obligations first, then your baseline costs, then — only after those are covered — the rest is yours to allocate intentionally.
The accounts that make this work
You do not need to open everything at once — but having three separate accounts makes this system much cleaner in practice.
Setting your percentages
Not sure what percentages to enter for your savings buckets? Here is a practical starting framework.

