INDEPENDENT THINKING. CANADIAN PERSPECTIVE.
Your money is part of a bigger picture.
Let’s help you see it.
Practical guides. Useful tools. Room to think.
Monthly take-home income
$4,500THE IDEA IS SIMPLE
Not every money decision needs a headline. Sometimes it needs a clear explanation, a useful question and a little space to think. That’s what Altify is here for.
Our perspective01 / A QUESTION WORTH ASKING
Start with your life. Then look at the numbers. Choose a question and find a practical way into it.
Illustrative amounts, not a recommended allocation.
Bring income, commitments and occasional costs into the same picture.
Try your own numbersAn unexpected expense and a planned purchase ask different things of your money.
Explore the cash-cushion guideA headline is
only the beginning.
Same questions. A clearer comparison.
Put fees, access and conditions beside each other before making a decision.
Read the account-comparison guide02 / THE JOURNAL
Everyday money, explained with care.
Take a closer look at what matters to you.
Build a useful picture of your income, everyday costs and the things that don’t happen every month.
Separate the unexpected from the occasional, then choose a starting point that fits your circumstances.
A plain-language way to organise your questions before choosing or contributing to a registered account.
THE HUMAN SIDE OF MONEY
A shared household. A changing income. Something you didn’t see coming. Useful conversations start with your circumstances, not someone else’s checklist.
Start a money conversation03 — YOUR WORKING SPACE
Four numbers. One clearer picture.
A private, browser-only planner.
No account or sign-up needed.
YOUR MONTH, AT A GLANCE
Try the example, then change the amounts. Everything stays in this browser tab.
All amounts in Canadian dollars (CAD).A starting point for a decision, not a spending recommendation.
Illustration only. A monthly cash-flow snapshot, not financial advice, a forecast or a recommended allocation.
04 — TO KEEP & USE
A good next step should be practical.
Download a filled example, then make it yours.
BEFORE YOU GO
This website provides general education and practical learning resources. It does not assess your individual situation or provide personal investment, financial, tax or legal advice.
No. The calculation happens in your browser tab. Your inputs are not transmitted or saved, and reloading the page restores the example.
Yes. The guides use Canadian context and link to official Canadian resources. Account rules, eligibility and product terms should still be checked against your own circumstances and the current source.
No account, email address or sign-up is required. Download a CSV, Excel workbook or text file and use it on your own device.
Email contact@altify-digitaladvisory.com with the page address and a short explanation. Please include a relevant public source if you have one, and do not send sensitive financial records.
KEEP YOUR CURIOSITY.
ONE QUESTION AT A TIME.