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@hankaiyrlyu05.07.81:
Кайырлы 81
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Region: KZ
Sunday 22 September 2024 17:34:54 GMT
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Free budget and retirement planner built specifically for Canadians. Works for singles or couples. Download: http://calmmoneycoach.kit.com/budget **START HERE TAB** Quick setup guide with color coding explained. Blue cells = your inputs. Grey cells = calculated automatically. Green cells = recommendations. Takes about 10 minutes to set up. **DASHBOARD** Your complete financial picture at a glance. Toggle couples mode on/off, set your target retirement age, choose your market outlook (conservative, moderate, aggressive). Shows your monthly income, expenses, net cash flow, savings rate, and full net worth summary. Includes 50/30/20 analysis so you know if your needs, wants, and savings are in balance. **BUDGET TAB** Full income and expense tracker with Person 1 and Person 2 columns if you’re planning as a couple. Enter amounts in any frequency - weekly, bi-weekly, monthly, annually - and it converts everything to monthly automatically. Tracks employment income, investment income, side hustles, rental income. Expense categories include housing, property tax, utilities, insurance, transportation, groceries, dining out, phone, internet, subscriptions, health insurance, gym, clothing, personal spending, debt payments, and more. Calculates your total household income, expenses, and net cash flow. **NET WORTH TAB** Track all your Canadian accounts in one place. TFSA, RRSP, FHSA, employer pension, non-registered, crypto, checking, savings, home equity, vehicles. Separate columns for Person 1 and Person 2 with combined household totals. Tracks liabilities too - credit cards, student loans, car loans, line of credit, mortgage. Shows your total assets, total debt, and net worth. Includes a date field so you know when you last updated. **RETIREMENT TAB** Enter your current age, set your retirement age from the dashboard, and it calculates years to retirement. Input your current balances and monthly contributions for RRSP, TFSA, FHSA, employer pension, and non-registered accounts. Shows three projection scenarios - conservative (5% return), moderate (7%), and aggressive (9%) - with your projected nest egg in future dollars and today’s dollars adjusted for 2% inflation. Accounts for 25% tax on RRSP withdrawals. Includes fields for expected CPP and OAS at age 65. **PROJECTIONS TAB** Visual year-by-year breakdown of your portfolio growth under all three scenarios. See exactly how your investments compound from now until retirement. Shows your age each year alongside conservative, moderate, and aggressive portfolio values. Uses 4% safe withdrawal rate for retirement income calculations. **HISTORY TAB** Track your net worth over time. Add a new row each month or quarter to log your assets and debts. Separate tracking for Person 1 and Person 2. Chart updates automatically so you can see your wealth-building journey visually. Great for staying motivated and spotting trends. I spent years grinding, saving, investing - financially I was great but otherwise a mess. Took me a while to find balance. If you’re feeling out of whack in this area, hopefully this is a small nudge in the right direction. Happy New Year, almost 🎉 #NewYear #Budget #PersonalFinance #CanadianFinance
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