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—
Variable spending-$0
Surplus / Deficit+$0
Fixed Expenses
—
ExpectedActual
Import bank statements to cross-verify actual vs expected
Import Data
💡 Import your statements below. Paystubs are entered manually on the Pay Stubs tab. 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
Zoho Expense Report
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
Categories
toggle all
Accounts
toggle all
| Date | Description | Account | Category | Amount | Source | 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
Bonus YTD Net
$0
All Pay Stubs
| Pay Date | Employee | Regular Gross | Commission Gross | Reimb. (Net) | Bonus (Net) | Total Net | Source |
|---|---|---|---|---|---|---|---|
| No paystubs yet — add one below | |||||||
Add Paystub
💡 For a bonus-only paycheck, fill Bonus (Net) and set Total Net Paycheck equal to it. Leave Regular/Commission blank.
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 | |
|---|---|---|---|---|---|---|---|
| No expense reports yet — import from Zoho or add manually below | |||||||
Add Expense Report
💡 Manual entries are preserved when you re-import from Zoho. If the same Report # appears in a Zoho import, the Zoho version wins.
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 | Actions |
|---|---|---|---|---|---|---|---|
| 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
—
—
TD First Class Travel Visa
Divesh · from statements
—
Walmart Rewards MC
Komal · from statements
—
Scotia LOC
8.3% · update after each statement
—
BMW Finance
$481.35/biweekly · contract ends Jun 14 2030 · $20k balloon at end
—
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
—
⚠️ 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
$0
2026 YTD Net
$0
~63% of gross
Next Payment
—
2026 Quarters
2027 Quarters