BUDGET · QUÉBEC 2026

A clear budget,
in just a few minutes.

Split your spending with the 50/30/20 rule and finally see where your money goes each month.

YOUR MONTHLY BUDGET

Where does your money go?

Enter your monthly amounts. Everything updates instantly.

50/30/20 guideline: about 50% for needs, 30% for wants, 20% for savings and debt.

Example amounts — replace them with yours.
$ / month
Needstarget 50%
Housing (rent, mortgage)
$
Transportation (car, gas, transit)
$
Groceries
$
Insurance, health, phone, electricity
$
Wantstarget 30%
Restaurants and outings
$
Subscriptions and leisure
$
Shopping and other wants
$
Savings and debttarget 20%
Savings and investments
$
Debt repayment
$
The 50/30/20 rule is a guideline, not an obligation: 50% for needs, 30% for wants, 20% for savings and debt repayment.
YOUR BUDGET
You have left each month$30$3,470 split across $3,500 of net income
It's an example for now

Replace the amounts with yours: your budget updates right away.

Needs$2,400
69% of your incometarget 50%
Wants$570
16% of your incometarget 30%
Savings and debt$500
14% of your incometarget 20%
GO FURTHERPut your savings to work

See what an RRSP contribution of that amount would save you in tax.

Estimate the RRSP savings
Or:Net salary

A guideline, not a judgment

The 50/30/20 rule is a starting point. What matters is seeing your spending clearly and adjusting at your own pace. No amount is good or bad in itself.

Frequently asked questions

What is the 50/30/20 rule?

It’s a simple guideline for splitting your net income: 50% for needs (housing, transportation, groceries, insurance), 30% for wants (dining out, leisure, shopping) and 20% for savings and paying down debt. It’s a starting point to adjust to your own situation.

Should I use my gross or net income?

Your net income — what actually lands in your account after taxes and contributions. If you used the salary calculator, Finoutil automatically brings over your monthly net.

What if my expenses are higher than my income?

It’s common and it can be fixed. Start with the “wants” category, the most flexible one. Then see whether some needs (transportation, insurance, plans) can be trimmed. Even small recurring adjustments make a big difference over a year.

Is my budget data saved anywhere?

Only in your browser, on your device. Nothing is sent to a server and no account is required. You can erase everything from the Privacy page.