💷 Money flow snapshot — where does your salary go?
Monthly salary
$6,600
Fixed expenses
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-$4,371
Variable spending allowance
Groceries, Tims, restaurant, clothes, kids etc.
-$880
Guaranteed minimum to Scotia LOC1
Based on budgeted fixed amounts
$949
Bonus: unspent variable savings
Every dollar saved on groceries, Tims etc.
+$0
TOTAL going to Scotia LOC1 this month
Minimum + variable savings
$949
Left over this month for extra LOC payment
$0
Calculating...
Going to Scotia LOC1
$949
min $949 + variable savings
Variable budget tracker
This month allocation
Recent expenses
| Date | Category | Note | Amount | Cat. total |
|---|
💡 Live budget snapshot —
Spent so far
$0
Category remaining
$0
Category budget
$0
Left for Scotia LOC1: $0
Add new expense
Expenses —
| Date | Category | Note | Amount |
|---|
Total: $0.00
✅
Each payment starts with the budgeted amount pre-filled. Once you tick it as paid, enter the actual amount — the money flow snapshot and leftover update instantly.
0 of 23 paid
$0 confirmed
$0 projected
Fixed payments —
Monthly Report
Full breakdown with fixed payment actuals, variable spending and LOC calculation
Variable spending by category
Variable budget used
Fixed payments — budgeted vs actual
| Payment | Budgeted | Actual paid | Variance | Status |
|---|
Variable spending — budget vs actual
| Category | Budget | Spent | Remaining | Status |
|---|
Full monthly summary
| Item | Budgeted | Actual |
|---|
💡Avalanche method: put ALL extra toward Scotia LOC1 first. Car loan ($866) and iPhone ($90) free up in Aug 2027.
💳 Update Current LOC Balances & Rates — payoff plan adjusts automatically
Scotia LOC1
RBC LOC
Phase 1 — Now → Aug 2027
Car loan + iPhone active
Minimum to Scotia LOC1: $949+/mo
Balance $47,000 → ~$38,000
Balance $47,000 → ~$38,000
Phase 2 — Sep 2027 → ~early 2030
Car loan + iPhone freed ($956/mo)
Extra to Scotia LOC1 jumps to $1,905+/mo
Scotia LOC1 cleared ~early 2030
Scotia LOC1 cleared ~early 2030
Phase 3 — ~2030 → late 2030
Attack RBC LOC
All redirected: ~$2,610+/mo
Debt-free late 2030 🎉
Debt-free late 2030 🎉
LOC balances
Simulate extra payment
Extra / month:
$949
All fixed monthly obligations
| Item | Budgeted ($) |
|---|
2026 Yearly Summary
Track your spending across all 12 months
📈 Monthly overview
📊 Variable spending trend
🛒 Variable categories — year total
💳 Scotia LOC1 — monthly estimate
✅ Fixed expenses — year total
📋 Full category breakdown (scrollable)