Last updated: 2026 assumptions reviewed. Assumptions & sources
Tools & Resources

One-Page Financial Plan Builder

Seven buckets. Honest numbers. One printable page that says what you have decided to do with your money. Drag the sliders until the plan matches your real life, then print it and sign it.

The seven buckets
HousingFoodTransportDebtGivingSavingEverything else
Seven buckets, honest numbers, one printable page. Giving sits fifth on purpose, not last.

Your Numbers

Pull up your last three months of bank statements and use the real averages, not the numbers you wish were true. Type a number or drag the slider; every bucket updates the plan as you move it.

A one-tap starting point. Every field below is still yours to change.
$5,200
$
Net, not gross. The number that actually lands in your account. If it varies, average the last three months.
The Seven Buckets (monthly)
$1,800
$
Mortgage or rent, property tax, home insurance, utilities, regular maintenance.
$900
$
Groceries plus restaurants and takeout. The real number, not the aspirational one.
$600
$
Car payment, insurance, fuel, parking, transit. Combine both vehicles if you have two.
$250
$
Credit cards, student loans, lines of credit. Exclude the mortgage; that lives in Housing.
$9,000
$
19.99%
%
Fill these two in and your plan will tell you how long the debt actually takes at the payment above. Set the balance to zero to leave it out.
$400
$
Church giving and regular charitable contributions. In the plan, not after it.
$400
$
TFSA, RRSP, FHSA, emergency fund building, workplace pension contributions.
$600
$
Clothing, subscriptions, hobbies, kids' activities, gifts, the random Saturday at Canadian Tire. One number is enough.
For Your Savings Order
$1,000
$
Money set aside for a job loss, health event, or major repair. Not your chequing balance.
If yes, the FHSA joins your savings order.
One goal, not five. It goes at the bottom of your plan.
Your numbers stay on this device so the plan is still here when you come back.

Does It Fit Inside Your Income?

Take-Home
$0
Buckets Total
$0
Margin
$0
Giving Rate
0%
Savings Rate
0%

Your Whole Plan in One Bar

Your monthly take-home, drawn to scale, split across the seven buckets. When they fit inside your income, the pale slice on the right is your margin. When they run over, the dashed line marks where your income actually ends.

How This Works

A plan has a number at the top and decisions underneath it. You bring the honest numbers; this page assembles them into something you can print, sign, and tape inside a cupboard door.

1. Look
Average your last three months of statements for each bucket.
2. Decide
Compare the total to your income. Decide where the margin goes, or what has to move.
3. Print
One page. Signed. Reviewed quarterly so it keeps matching real life.

Honest numbers, or it is fiction

Write what you actually spend, not what you wish you spent. If the food number is $900, write $900. You cannot make honest decisions from a number you invented.

Read the Full Guide

Why one page is the point, why giving goes in the plan rather than after it, and how the Canadian accounts fit together.

How to Build a One-Page Financial Plan →

Go Deeper on Each Bucket

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