💰 Stage 1 — Foundation

Conscious Spending Plan

Inspired by Ramit Sethi's framework. Enter your take-home pay and see exactly where every dollar should go — including how much to invest from day one.

Planning tool only — not financial advice. Results are estimates based on your inputs.

Your take-home income (after tax)

🏠

Fixed Costs

55%

$—

Rent, utilities, insurance, subscriptions, loan payments

40% 75%

📈

Investments

10%

$—

TFSA, RRSP, Wealthsimple, index funds — automate on payday. Calculate your TFSA/RRSP room → · TFSA or RRSP first? →

10% 20%

🎯

Savings Goals

10%

$—

Emergency fund, vacation, down payment, car

5% 15%

✨

Guilt-Free Spending

25% · auto

$—

Dining, hobbies, shopping — spend extravagantly on what you love

$—

Monthly Income

$—

Wealth Building

$—

Annual Investments

Not sure where to start?

Get the free First 90 Days guide — exactly what to do, in order, from day one.

Download the Free Guide (PDF)

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