TaxCalcy.

HOUSEHOLD BUDGET PLANNER

Know what’s due.
Make room for what’s next.

A positive month can still run short before payday. See when your cash arrives, what each bill needs, and what you can plan to set aside.

C$29 one-time · plus applicable tax

Guided web planner + editable Excel companion. A verified account keeps your purchase access. Your household inputs stay on this device.

Purchases cannot be completed in this staging environment.

Explore the fictional example

FICTIONAL EXAMPLE · FEBRUARY 2026 · CAD

A good month. A difficult week.

Alex and Sam have money left over on average. Their bills still arrive before their pay.

Monthly average remainderCAD 2,588.33
Lowest projected balance-CAD 1,480.00
Cash balance through Feb
Projected cash balance during 2026-02, CADOpening CAD 900.00. Lowest known balance -CAD 1,480.00 on 2026-02-08. Closing CAD 2,465.00. Outflows precede income on the same day. Projection based on entered assumptions. The dated table below provides every value.3.2K0-1.5KBufferFeb 1Feb 14Feb 28
Lowest point · Feb 8-CAD 1,480.00Chosen bufferCAD 400.00
Rent is due on 1 February. The first pay arrives on 11 February. The lowest balance is CAD -1,480.00 on 8 February.
Read the fictional values

Opening cash CAD 900.00. Buffer CAD 400.00. No actual household data is entered or saved in this demonstration.

  • 2026-02-01: Rent, expense CAD 1,850.00. Balance -CAD 950.00.
  • 2026-02-06: Utilities, expense CAD 210.00. Balance -CAD 1,160.00.
  • 2026-02-07: Groceries, expense CAD 140.00. Balance -CAD 1,300.00.
  • 2026-02-08: Transport, expense CAD 180.00. Balance -CAD 1,480.00.
  • 2026-02-11: Alex's take-home pay, income CAD 2,400.00. Balance CAD 920.00.
  • 2026-02-14: Groceries, expense CAD 140.00. Balance CAD 780.00.
  • 2026-02-14: Household essentials, expense CAD 90.00. Balance CAD 690.00.
  • 2026-02-16: Internet and subscriptions, expense CAD 75.00. Balance CAD 615.00.
  • 2026-02-18: Debt payment, expense CAD 250.00. Balance CAD 365.00.
  • 2026-02-20: Sam's contract receipts, income CAD 1,000.00. Balance CAD 1,365.00.
  • 2026-02-21: Groceries, expense CAD 140.00. Balance CAD 1,225.00.
  • 2026-02-21: Dental appointment, expense CAD 120.00. Balance CAD 1,105.00.
  • 2026-02-23: Goal contribution, expense CAD 300.00. Balance CAD 805.00.
  • 2026-02-25: Alex's take-home pay, income CAD 2,400.00. Balance CAD 3,205.00.
  • 2026-02-28: Annual insurance, expense CAD 600.00. Balance CAD 2,605.00.
  • 2026-02-28: Groceries, expense CAD 140.00. Balance CAD 2,465.00.
One-time purchaseNo subscriptionPrivate local plansPersonalized Excel workbookVerified account access

A BUDGET THAT UNDERSTANDS THE CALENDAR

Make the month easier to see.

Find the tight days.

See your lowest projected balance, which bills arrive before pay, and when cash dips below the buffer you choose.

Leave space for real life.

Plan salary, pension, gig work or several contributors. Keep unknowns and estimates visible instead of turning them into certainty.

Give future bills a place.

See seasonal costs, set a reserve for an occasional bill and try a change before making it part of your plan.

FIVE FLEXIBLE STEPS

Start where you are. Come back as you learn.

  1. 01

    Household & income

    Add take-home cash, optional contributors and actual pay dates.

  2. 02

    Bills & spending

    List due dates, flexible spending, debt and savings.

  3. 03

    Timing & goals

    Set available cash, your buffer and future-bill reserves.

  4. 04

    Dashboard & scenarios

    See the cash path and test a lower-income or unexpected-expense month.

  5. 05

    Save & Excel

    Return to a local plan or take a private, editable workbook with you.

AN EXCEL COMPANION THAT STAYS USEFUL

Your plan, clearly organised in Excel.

Make the decision on the website. Download a workbook when you want an editable copy, a printed calendar or a plan to keep offline.

  • A personalized workbook from your current household plan
  • A genuinely blank template for starting directly in Excel
  • A clearly labelled fictional sample to explore
  • Linked dashboard, income, spending, calendar, goals and scenarios
Read application and version limitations
Fictional example · CAD
Household Budget Planner in Excel

Fictional example · Full dashboard from the generated workbook

Full Household Budget Planner Excel dashboard. Fictional CAD inputs, calculated totals and charts.

Amber input cells are editable. Calculated cells are protected against accidental changes. Review assumptions before using a plan.

One household. Many ways to make a plan.

For someone starting out, sharing a home, raising a family or planning retirement. Labels and priorities are yours to choose.

Flexible cash inputs

Salary, multiple jobs, self-employment, pension, benefits, rent, distributions, support or a stipend. Gross pay is never treated as spendable.

Useful scenarios

Lower variable income, a changed due date, a new expense or a different savings contribution. Reset to your base plan whenever you need.

Keep and revisit

Named local plans, independent copies, validated backup and restore, and your purchased major workbook version.

PRIVATE BY DEFAULT

Your account keeps access.
Your device keeps the details.

Your income, contributors, bills, goals and notes stay in this browser. They are not sent to Stripe or automatically uploaded to TaxCalcy.

Sign in with a verified email code or Google. Your email is not a marketing subscription.

Moving to another device?

Your account restores purchased access. It does not restore local budgets from another device. Use an explicit backup to move your plan.

Browser data can be lost if you clear storage. Downloaded workbooks and backups contain your information and are controlled by where you save or share them.

Read the privacy explanation

BEFORE YOU BUY

Clear boundaries. Useful information.

Cash planning, not tax advice

Enter take-home amounts, or deliberately bring in a supported TaxCalcy calculator result as an estimate. This product adds no worldwide tax calculation.

21 budget currencies

Includes zero-, two- and three-decimal currencies. Changing a budget currency relabels numbers; it does not convert them. Purchase currency is separate and currently CAD.

Spreadsheet applications

Designed for Excel for Windows. Excel for web, Mac and LibreOffice compatibility has not been verified.

No bank connection, transaction import, automatic cloud sync, investment-return assumptions or universal spending rules. Dates do not move for bank holidays.

ONE PURCHASE. A CLEARER MONTH.

Plan the timing.
Keep the perspective.

Use the complete planner on the website and keep an editable companion. There is no subscription or extra workbook fee.

The one-time price is C$29, charged in CAD. Any applicable government-imposed tax is shown before payment.

Household Budget Planner

C$29 one-time

Plus applicable tax · verified account required

  • Guided household planning
  • Dated cash flow and 12-month known costs
  • Goals, reserves and Scenario Lab
  • Local saves, backups and recovery
  • Personalized, blank and fictional Excel workbooks
  • Access to the purchased major version

Purchases cannot be completed in this staging environment.

Digital access follows verified purchase. Review purchase terms before checkout. Support is available for access and product issues.

FAQ

Before you purchase.

Give your next month a clearer starting point.

Explore the fictional example