Net worth
CA$48,620
As of Jan 2026
Liquid cash
CA$22,748
Cash and bank balances
Latest month surplus
CA$1,780
Jan 2026
Savings rate
29%
Jan 2026
Trendline
Income, spending, and surplus
Last month
Swipe for month detail
Jan 2026
Revenue
CA$6K
Expenses
CA$4K
Net
CA$2K
Ending cashCA$22,748
Net worthCA$48,620
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 / Employer
CA$6,200
Interest
CA$4
Composition
Spending mix
YTD household spending categories
Housing / Rent
CA$2,100
Tax / Federal
CA$950
Tax / Provincial
CA$450
Tax / CPP EI
CA$350
Insurance / Health
CA$200
Transportation / Transit
CA$156
Food / Groceries
CA$129
Phone / Mobile
CA$89
Composition
Asset composition
Ending household assets
Retirement / RRSP
CA$18,400
Bank / Savings
CA$14,504
Bank / Checking
CA$8,244
Investments / TFSA
CA$7,800
Composition
Liability composition
Ending household liabilities
CreditCard / Visa
CA$328
Statement
Household Cash Margin
Income
CA$6,204
Salary / Employer
100%CA$6,200
Interest
0%CA$4
Spending
CA$4,424
Housing / Rent
47%CA$2,100
Tax / Federal
21%CA$950
Tax / Provincial
10%CA$450
Tax / CPP EI
8%CA$350
Insurance / Health
5%CA$200
Transportation / Transit
4%CA$156
Food / Groceries
3%CA$129
Phone / Mobile
2%CA$89
Surplus after spending
CA$1,780
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$48,948
Retirement / RRSP
38%CA$18,400
Bank / Savings
30%CA$14,504
Bank / Checking
17%CA$8,244
Investments / TFSA
16%CA$7,800
Liabilities
CA$328
CreditCard / Visa
100%CA$328
Net worth
CA$48,620
Assets: CA$48,948
Activity
Recent activity
Most recent grouped transactions from the ledger.
2026-01-31
Bank
operating
Savings interest
Operating flow: Interest
-CA$4
2026-01-31
Bank
operating
Savings interest
Operating flow: Bank / Savings
CA$4
2026-01-28
Visa
operating
Credit card payment
Operating flow: Bank / Checking
-CA$250
2026-01-28
Visa
operating
Credit card payment
Operating flow: CreditCard / Visa
CA$250
2026-01-24
Transfer
operating
TFSA contribution
Operating flow: Bank / Checking
-CA$300
2026-01-24
Transfer
investing
TFSA contribution
Investing flow: Investments / TFSA
CA$300
2026-01-22
Rogers
operating
Phone plan
Operating flow: CreditCard / Visa
-CA$89
2026-01-22
Rogers
operating
Phone plan
Operating flow: Phone / Mobile
CA$89
Activity
Needs review
Transactions at or above CA$1,000 from the default review policy.
2026-01-16
Harbourview Rentals
operating
January rent
Operating flow: Bank / Checking
-CA$2,100
2026-01-16
Harbourview Rentals
operating
January rent
Operating flow: Housing / Rent
CA$2,100
2026-01-15
North Maple Studio
operating
Biweekly paycheck
Operating flow: Bank / Checking
CA$3,850
2026-01-15
North Maple Studio
operating
Biweekly paycheck
Operating flow: Salary / Employer
-CA$6,200
2025-12-31
Unspecified
financing
Opening balances
Financing flow
-CA$46,840
2025-12-31
Unspecified
investing
Opening balances
Investing flow: Investments / TFSA
CA$7,500
2025-12-31
Unspecified
investing
Opening balances
Investing flow: Retirement / RRSP
CA$18,000
2025-12-31
Unspecified
operating
Opening balances
Operating flow: Bank / Savings
CA$14,500
Monthly pulse
Month-by-month summary
Jan 2026
positive
- Revenue / income
- CA$6,204
- Expenses / spending
- CA$4,424
- Net result
- CA$1,780
- Net cash flow
- CA$0
- Ending cash
- CA$22,748
- Net worth
- CA$48,620