Net worth
CA$278,235
As of Jan 2026
Liquid cash
CA$49,030
Cash and bank balances
Latest month surplus
CA$5,135
Jan 2026
Savings rate
44%
Jan 2026
Trendline
Income, spending, and surplus
Last month
Swipe for month detail
Jan 2026
Revenue
CA$12K
Expenses
CA$7K
Net
CA$5K
Ending cashCA$49,030
Net worthCA$278,235
Cash movement
Operating, investing, and financing
Operating
CA$0
Jan 2026
Investing
CA$0
Jan 2026
Financing
CA$0
Jan 2026
Composition
Income mix
YTD household income sources
Salary / Morgan
CA$7,400
Salary / Taylor
CA$4,300
Composition
Spending mix
YTD household spending categories
Tax / Federal
CA$2,000
Housing / Mortgage Interest
CA$980
Childcare / Daycare
CA$850
Tax / CPP EI
CA$740
Tax / Provincial
CA$660
Housing / Property Tax
CA$320
Utilities / Electric Gas
CA$310
Food / Groceries
CA$246
Composition
Asset composition
Ending household assets
Property / Home
CA$540,000
Retirement / RRSP / Morgan
CA$42,600
Bank / Savings
CA$28,000
Retirement / RRSP / Taylor
CA$24,250
Bank / Checking
CA$21,030
Education / RESP
CA$12,250
Composition
Liability composition
Ending household liabilities
Mortgage / Home
CA$389,080
CreditCard / Mastercard
CA$814
Statement
Household Cash Margin
Income
CA$11,700
Salary / Morgan
63%CA$7,400
Salary / Taylor
37%CA$4,300
Spending
CA$6,565
Tax / Federal
30%CA$2,000
Housing / Mortgage Interest
15%CA$980
Childcare / Daycare
13%CA$850
Tax / CPP EI
11%CA$740
Tax / Provincial
10%CA$660
Housing / Property Tax
5%CA$320
Utilities / Electric Gas
5%CA$310
Food / Groceries
4%CA$246
Utilities / Internet Mobile
3%CA$168
Insurance / Health
2%CA$150
Insurance / Home
2%CA$140
Surplus after spending
CA$5,135
Latest month: CA$0
Statement
Direct Cash Flow
YTD Movement
CA$0
Operating
CA$0
Investing
CA$0
Financing
CA$0
YTD net cash change
CA$0
Latest month: CA$0
Statement
Net Worth Statement
Assets
CA$668,130
Property / Home
81%CA$540,000
Retirement / RRSP / Morgan
6%CA$42,600
Bank / Savings
4%CA$28,000
Retirement / RRSP / Taylor
4%CA$24,250
Bank / Checking
3%CA$21,030
Education / RESP
2%CA$12,250
Liabilities
CA$389,894
Mortgage / Home
100%CA$389,080
CreditCard / Mastercard
0%CA$814
Net worth
CA$278,235
Assets: CA$668,130
Activity
Recent activity
Most recent grouped transactions from the ledger.
2026-01-29
Mastercard
operating
Credit card payment
Operating flow: Bank / Checking
-CA$500
2026-01-29
Mastercard
operating
Credit card payment
Operating flow: CreditCard / Mastercard
CA$500
2026-01-27
Transfer
operating
RESP contribution
Operating flow: Bank / Checking
-CA$250
2026-01-27
Transfer
investing
RESP contribution
Investing flow: Education / RESP
CA$250
2026-01-25
Shaw
operating
Internet and mobile
Operating flow: CreditCard / Mastercard
-CA$168
2026-01-25
Shaw
operating
Internet and mobile
Operating flow: Utilities / Internet Mobile
CA$168
2026-01-24
Enmax
operating
Electric and gas
Operating flow: Bank / Checking
-CA$310
2026-01-24
Enmax
operating
Electric and gas
Operating flow: Utilities / Electric Gas
CA$310
Activity
Needs review
Transactions at or above CA$1,000 from the default review policy.
2026-01-18
Prairie Mortgage
operating
Monthly mortgage payment
Operating flow: Bank / Checking
-CA$2,360
2026-01-15
Summit Design
operating
Morgan paycheck
Operating flow: Salary / Morgan
-CA$7,400
2026-01-15
Summit Design
operating
Morgan paycheck
Operating flow: Tax / Federal
CA$1,350
2026-01-15
Summit Design
operating
Morgan paycheck
Operating flow: Bank / Checking
CA$4,550
2026-01-15
Cedar Health
operating
Taylor paycheck
Operating flow: Salary / Taylor
-CA$4,300
2026-01-15
Cedar Health
operating
Taylor paycheck
Operating flow: Bank / Checking
CA$2,750
2025-12-31
Unspecified
investing
Opening balances
Investing flow: Property / Home
CA$540,000
2025-12-31
Unspecified
investing
Opening balances
Investing flow: Education / RESP
CA$12,000
Monthly pulse
Month-by-month summary
Jan 2026
positive
- Revenue / income
- CA$11,700
- Expenses / spending
- CA$6,565
- Net result
- CA$5,135
- Net cash flow
- CA$0
- Ending cash
- CA$49,030
- Net worth
- CA$278,235