Financial Tools

Monthly Cash-Flow Snapshot — Income vs Expenses

Wondering whether your month is actually working — or quietly running tight? This calm cash-flow snapshot gives Canadian families a fast, no-friction view of how money is flowing right now.

  • See whether you’re running a surplus or shortfall this month
  • Understand how much flexibility your cash flow really has
  • Get clarity before deciding where adjustments might help

This snapshot is designed for quick clarity — not budgeting or optimization. For deeper planning, explore the Family Budget Planner, see how surplus could accelerate progress with the Mortgage Booster, or view everything together in your Family Finance Snapshot Dashboard.

1. Enter Your Monthly Details

This is a simplified snapshot. Use the Family Budget Planner for a more detailed look at your finances.

* This cash-flow snapshot is for educational purposes only and does not provide financial, budgeting, or planning advice. It reflects a simplified view of monthly income and expenses and does not account for taxes, irregular costs, or future changes.

2. This Month At A Glance

A simple snapshot of whether this month has breathing room.

A calm snapshot of how this month looks.

Monthly snapshot

🌱 Surplus / Shortfall
$0
🧾 Committed Costs
$0
📊 Committed Share of Income
0%
Enter your numbers to see how this month is shaping up.

Want to understand where pressure is coming from? Use the Family Budget Planner →

How a monthly cash-flow snapshot helps

A monthly cash-flow snapshot focuses on one simple question: is more money coming in than going out this month? Instead of detailed categories or optimization rules, it shows the overall picture in a calm, neutral way.

For many Canadian households, cash flow pressure comes from fixed costs like housing, debt payments, and essential bills. Seeing these commitments clearly can help reduce stress and make it easier to decide on next steps.

Cash flow vs budgeting

A cash-flow snapshot is different from a full budget. It doesn’t tell you where to cut or how to optimize — it simply shows whether your current setup is sustainable. When more detail is needed, a full monthly budget can help break things down further.

If you want a deeper look at where your money is going, you can continue with the Family Budget Planner.

Note: This tool is for educational purposes only and provides a simplified view of cash flow. Real-world decisions may involve taxes, benefits, and changing income.