Monthly Budget
Apr 2026
Income
Divesh Base
$8,279
net · from paystubs
Komal Base
$5,800
net · from paystubs
Commission
$0
gross · tax withheld
Expense Reimbursements
$0
from paystubs
Total Income
$14,079
all sources
Variable Spending (personal only — work expenses excluded)
Import your TD and Walmart statements to populate spending.
Net Position
+$0
Monthly Surplus
Divesh net (2× semimonthly)$8,279
Komal net (2× semimonthly)$5,800
Commission (net)$0
Reimbursements$0
Fixed expenses-$7,750
Variable spending-$0
Surplus / Deficit+$0
Fixed Expenses
$7,831 / month
Mortgages (RBC ×3)
$4,353
BMW Finance ($481/biweekly)
$962
Ford Bronco lease ($300/biweekly)
$650
Insurance
$436
Property tax
$583
Utilities
$335
Phones (Rogers+Koodo)
$179
RESP (Siya)
$252
Import Data
💡 Import your statements and paystubs below. All data is saved to Google Sheets so both you and Komal see the same numbers from any device.
TD Bank Statements (CSV)
⬇ In TD EasyWeb: Accounts → select account → Download → choose date range → CSV format. Do this for each account separately.
TD Chequing — Divesh
CSV · account 1185-6672424
Drop CSV here
TD Chequing — Komal
CSV · account 1179-6170609
Drop CSV here
TD Visa — Divesh
CSV · First Class Travel Visa Infinite
Drop CSV here
TD Rewards Visa — Komal
CSV · TD Rewards Visa
Drop CSV here
Walmart Rewards MC
CSV · Komal's card
Drop CSV here
Scotia LOC — Jan Statement
CSV or PDF · opening balance only needed once
Drop file here
Paystubs (PDF)
Paystubs — Divesh
PDF · Volante Software · select multiple
Drop PDFs here
Paystubs — Komal
PDF · FNZ Canada · select multiple
Drop PDFs here
Zoho Expense Report
XLSX or CSV · all 2026 expenses
Drop file here
RBC Mortgage — Opening Balance
Enter once from your January 2026 statement — we'll track it automatically from there
Data Summary
0
Transactions
0
Paystubs
0
Expense Reports
0
Accounts
Import Log
No imports yet.
Transactions
| Date | Description | Account | Category | Amount | Type | Override |
|---|---|---|---|---|---|---|
| Import statements to see transactions | ||||||
Pay Stubs
Divesh YTD Net
$0
all paystubs 2026
Komal YTD Net
$0
all paystubs 2026
Commission YTD Gross
$0
Reimbursements YTD
$0
All Pay Stubs
| Pay Date | Employee | Regular Net | Commission Gross | Reimb. | Total Net | Source |
|---|---|---|---|---|---|---|
| Upload paystub PDFs to see details | ||||||
Manual Entry (if PDF parsing misses something)
Expense Reports
Submitted YTD
$0
Reimbursed
$0
confirmed via paystubs
Pending
$0
On Personal Card
$0
float on your TD Visa
All Expense Reports
| Exp Date | Report # | Description | Category | Amount | Reimb Date | Status |
|---|---|---|---|---|---|---|
| Upload Zoho expense report to see details | ||||||
Upload History
📋 Every file upload is logged here — including duplicates that were blocked. This lets you verify what data is in the system and when it was imported.
Total Uploads
0
Successful
0
Duplicates Blocked
0
Last Upload
—
| Uploaded At | File | Type | Account | Date Range | Transactions | Status | Note |
|---|---|---|---|---|---|---|---|
| No upload history yet — import your first file to get started | |||||||
2026 Overview
Monthly Surplus / Deficit
Spending by Category — YTD
Debts & Net Worth
Estimated Net Worth
—
home + assets − debts
Total Debt
—
Liquid Assets
—
chequing + savings
Debt Balances
RBC Mortgage (3 segments)
Oshawa home · update home value and balance below
$821,382
$178,618
TD First Class Travel Visa
Divesh · from statements
—
Walmart Rewards MC
Komal · from statements
—
Scotia LOC
8.3% · update after each statement
$11,094
BMW Finance
$481.35/biweekly · contract ends Jun 14 2030 · $20k balloon at end
$71,043
Update balance anytime — payoff quote, sold early, or $0 when cleared
Ford Bronco Lease (Komal)
Feb 10 2026 · 24mo · $300/biweekly · ends Feb 10 2028 ·
22 mo left
Returned early or bought out? Update status above — dashboard adjusts automatically
Sister Loan
0% interest · update as you pay it down
$25,000
⚠️ BMW balloon payment: $20,000 due June 14, 2030 at end of finance term. Plan to have this set aside or refinance before that date.
Investment & Savings Accounts
RRSP — Divesh (Volante)
$76,999
2026 contribution room
—
Contributions YTD
$0
Room Remaining
—
Est. Value in 10 yrs
—
RESP — Siya Kanwar
$3,616
Lifetime CESG room
$7,200 max
Annual Contribution
$3,024
CESG Grant (20%)
$500/yr
max $2,500 contrib/yr
Years Until University
—
Est. Value at 18
—
USD Account
$2,077 USD
travel / work float
TFSA (if applicable)
—
tax-free savings account
Commission Tracker
💡 Paid quarterly: Feb / May / Aug / Nov 15. Tax withheld at source ~37%. Net ≈ 63% of gross.
2026 YTD Gross
$30,864
2026 YTD Net
$19,444
~63% of gross
Next Payment
May 15
May Plan
LOC + Sister
2026 Quarters
2027 Quarters
May 15 Deployment Plan
If May commission ≈ $30k gross → ~$19k net
Scotia LOC payoff
Saves $920/yr in interest at 8.3%
$11,094
Sister loan payment
Good faith — 0% so flexible
$3,000
Travel fund
Summer trip for the family
$2,000
Emergency buffer
Remaining to chequing
$2,906
Total deployed~$19,000