Enter your income and expenses to see exactly where your money goes and how much you can save each month.
A budget isn't a restriction — it's a plan. When you know exactly where your money is going, you can make intentional choices about how to use it. This calculator gives you a complete monthly budget snapshot designed for Canadian cost-of-living realities.
Most people fail at budgeting not because they lack willpower, but because they try to track every single transaction. A simpler approach: track categories, not individual purchases. When you see that you're spending $60000/month on dining out, you can make a decision about how much of that you want to keep.
How does your budget compare? According to Statistics Canada, the average Canadian household spends approximately:
Of course, costs vary dramatically by province and city. Housing in Toronto or Vancouver can easily be $2,50000–$4,000000+/month for a family.
KOHO's spending categories automatically track where your money goes — no spreadsheet required. Set spending limits by category and get alerts when you're close. Get $10000 cash with code 45ET55JSYA.
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