THE MONEY TOOLKIT
A simple planner and downloadable starting points. No account or financial information required.
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.
Illustrative cash-flow arithmetic only. Your own needs and circumstances determine a suitable plan.
Start with a fully worked monthly budget in CAD. Compare planned and actual amounts, follow the category notes, then replace the example with your own figures. CSV totals are fixed values: recalculate them after edits or use the Excel workbook below for automatic totals. These fictional amounts are educational examples, not a recommended budget.
Download CSVCompare three fictional account examples at the same monthly usage. See the effect of base fees, extra transactions and other costs. These are not real bank offers. Replace the examples with verified terms and record the provider source and date. Recalculate the CSV values after edits or use the Excel workbook for automatic cost calculations.
Download CSVOpen in Excel or a compatible spreadsheet app. The Monthly money map compares plan and actuals. Account comparison calculates monthly and annual fees at your chosen usage. Edit the pale-yellow inputs; the formulas update the results. Both sheets contain fictional worked examples and plain-language notes. No macros or connection to Altify.
Download XLSXUse these prompts to keep a shared discussion focused. Choose one topic, distinguish known amounts from estimates and agree a next action. Adapt or skip a prompt that does not fit your circumstances.
Download TXTThe planner subtracts your three allocation categories from your monthly take-home income. It does not calculate taxes, investment returns, interest or eligibility for any product. The example is illustrative; replace it with numbers appropriate to the question you are exploring.
Download the filled CSV examples, the Excel workbook with formulas, or the conversation prompts. CSVs are fixed snapshots; their totals do not update after editing. Use the XLSX workbook for automatic calculations. Replace the fictional examples with your own data and keep your saved copy private. Completed files are not sent to Altify.
The calculator runs in your browser tab. Altify does not send or save the amounts you enter. Reloading the page restores the example. Downloads do not require an account or an email address. For personalised financial or tax decisions, speak with an appropriately qualified professional.
KEEP YOUR CURIOSITY.
ONE QUESTION AT A TIME.