Investable Income

Income

Employment income

Self-employment / freelance income

Other income (dividends, rental…)

Has employer (QPP/EI deducted at source)

Monthly Expenses

Rent / mortgage

Groceries & food

Transport (car, STM, gas…)

Utilities & telecom

Subscriptions & entertainment

Other expenses

Deductions & Credits

RRSP contribution +deduction

TFSA (no tax impact, post-tax)

Childcare expenses +deduction

Union / professional dues +deduction

Safety Buffer

Reserve before investing.

Emergency fund target (months of expenses)

% of monthly surplus to keep as cash buffer

Emergency fund goal

Results

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investable / month

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investable / year

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marginal tax rate

Estimates only. Uses 2024 Québec + federal brackets, QPP (max pensionable $68,500, employee rate 6.4%), QPP2 (earnings $68,500–$73,200, rate 4%), EI (max insurable $63,200, rate 1.66%), QPIP (rate 0.494%, max $94,000), Québec federal abatement 16.5%, basic personal amounts (federal $15,705, QC $17,183). Does not account for all possible credits, the Quebec solidarity tax credit, alternative minimum tax, or all individual circumstances. Consult a tax professional or use impôt.ca / TurboTax for a precise return.

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