Personal Cash Flow Calculator

Print the results

Your annual net cash flow, including savings, is:

-$?

Your annual cash flow to savings is:-$?

Your annual debt repayments are:-$?

Your results

Based on the information you filled in, you are spending more than you're bringing in. You'd be surprised how many other TD Canada Trust customers are having trouble making ends meet.

We're here to help. More than ever, our employees are empowered to offer solutions that will help get your finances back on track. So give us a call at
1-866-822-6370 or visit your local branch.

To use this calculator again, go to /tools/planning/cashFlowCalc/input-en.jsp

Things to consider

To make your expenses match your income, and to balance your budget, you need to either cut some of your expenses or bring in more income.

Your bottom line

Monthly

$0 $0 $0 $0

Not Enough Information

Total Income Total Expenses Net Cash Flow (excluding savings) Net Cash Flow (including savings)

Where you spend your money

Monthly

Housing

Personal & Living

Debt Repayment

Transportation

Savings

Other

Your bottom line

Annually

$0 $0 $0 $0

Not Enough Information

Total Income Total Expenses Net Cash Flow (excluding savings) Net Cash Flow (including savings)

Where you spend your money

Annually

Housing

Personal & Living

Debt Repayment

Transportation

Savings

Other

Your Personal Cash Flow Calculator Results

Sometimes we all wonder, “where does the money go?” To get a better idea of where you spend your money monthly or annually, enter your information in the categories below. It may be helpful to have your bank account, credit card, loan and other statements available to make filling in your income and expenses easier.

Income

Total net household income

Government benefits

Other examples (click to add): Pension, child support, rental income, other

Add a line

Housing

Personal & Living

Car & Transportation

Debt Repayment

Savings

Other

We're here to help. More than ever, our employees are empowered to offer solutions that will help get your finances back on track. So give us a call at
1-866-822-6370 or visit your local branch.

To use this calculator again, go to /tools/planning/cashFlowCalc/input-en.jsp

Include your pay cheque or regular take-home pay (total pay minus taxes).

Include any regular payments you receive from the government such as, Canada Pension Plan, Old Age Security, Employment Insurance, Welfare, etc.

Include the pension amount you receive from a former employer.

How much you receive in child support from a former spouse/partner.

How much you receive in rental payments from your tenants.

List any additional sources of household income here, such as, income from a Registered Retirement Income Fund (RRIF), annuity, investments, one-time commission, one-time bonus, etc.

Enter your mortgage or rent payment.

For example: lawn care, furnace cleaning, small repairs to roof, touch-up painting, etc.

How much you pay in condo fees.

How much you pay for heat (gas, oil, etc.).

How much you pay for electricity.

How much you pay for water.

How much you pay for garbage collection.

How much you pay in property taxes.

How much you pay to insure your home.

List any additional housing expenses here.

On average, how much you spend each time you go to the grocery store.

How much you spend on your hobbies, your children's hobbies, movie tickets, sporting events, etc.

How much you spend on eating out at restaurants and on take-out or home delivery.

How much you spend on child care services such as daycare, babysitting, etc.

How much you pay for TV service (cable, satellite, etc.).

How much you pay for phone service (including all cell phones and landlines) and cellular data plans.

How much you pay for Internet service.

How much you spend on pet food, grooming, trips to the vet, etc.

How much you spend on clothes.

How much you spend on office visits, prescriptions, insurance, etc.

For example: alcohol, cigarettes, gym memberships, other memberships, tuition fees, books, magazines, etc.

How much you spend to insure all cars in the household.

How much you spend on public transportation.

How much you pay to renew your license and registration.

How much you spend on gas.

How much your average car repair costs are.

How much you pay at meters, garages and other parking facilities.

How much you spend on cab fare.

How much you spend on tolls.

List any additional transportation expenses here.

Include only your regular payment(s) , not the total amount you owe.

Include only your regular payment(s), not the total amount you owe.

Include only your regular payment(s), not the total amount you owe. You can add a line for each line of credit you have.

Include only your regular payment(s), not the total amount you owe. If you are leasing a car, please include the lease payment in the Transportation section.

Include only your regular payment(s), not the total amount you owe. You can add a line for each personal loan you have.

Include only your regular payment(s), not the total amount you owe. You can add a line for each government loan you have.

Include only your regular payment(s), not the total amount you owe. You can add a line for each student loan you have.

List any additional loan or credit repayments here.

Include the amount you regularly contribute to your retirement savings plan, not the total value of your savings.

Include the amount you regularly save for unexpected expenses and emergencies, not the total value of your savings.

Include the amount you regularly save for education including RESP, not the total value of your savings.

Include the amount you regularly save for big ticket items like cars, furniture, home improvements etc., not the total value of your savings.

Include the amount you regularly save for vacation and travel, not the total value of your savings.

List any additional money you are putting aside for savings.

Are you sure you want to delete this line?

Are you sure you want to clear ALL of the information you've entered?

Your expenses are $0. Is this correct?

Your income is $0. Is this correct?

Your income and expenses are $0. Please enter some data to continue.

You have errors on the page, please fix these before continuing.

You cannot add any more fields.

Based on the information you filled in, you are spending more than you’re bringing in. You’d be surprised how many other TD Canada Trust customers are having trouble making ends meet.

To make your expenses match your income, and to balance your budget, you need to either cut some of your expenses or bring in more income.

More than ever, our employees are empowered to offer solutions that will help get your finances back on track. So give us a call at
1-866-822-6370 or book an appointment

Based on the information you filled in, you have enough income to cover your spending, however, you don’t have enough cash flow to save as much as you are putting aside for savings.

If you want to continue to put money aside to save, you may want to take another look at your spending.

We can take a look at your overall financial picture and try to help you get your finances back on track. So give us a call at
1-866-822-6370 or book an appointment

Based on the information you filled in, you’re doing a great job balancing your income and your spending. It also looks like you could afford to put more money towards building your savings.

There may be other opportunities to help you save more like setting up an automatic savings program, increasing the amount you regularly transfer to your savings, or changing the types of accounts or investments you use to build your savings.

We can take a look at your overall financial picture and explore ways to help you get to where you want to go. Book an Appointment or call
1-866-822-6370 to get a complimentary TD Personal Assessment.

Based on the information you filled in, you’re doing a great job balancing your income and your spending. It also looks like you have a little left over to build your savings or pay down more of your debt.

There may be opportunities to help you pay off your debt faster by increasing some of your payments. You could also consider options to help you save more, like setting up an automatic savings program, or increasing the amount you regularly transfer to your savings.