Cash Flow Statement & Surplus Calculator — Prairie Wealth

1. Household & Profile Details

Client Identification

Name

Email Address

Filing & Household Setup

2. Income Sources

Gross & Net income sources prior to tax withholding

Select the frequency (Bi-Weekly, Monthly, Annual, or Weekly) for each line item below:

Primary Employment / Salary

$

Net Business Income

$

Pension / CPP / OAS / RRIF

$

Government Benefit (CCB, GST, etc.)

$

Investment Dividends & Interest

$

Net Rental Income

$

Other Income

$

3. Payroll & Direct Deductions

Direct source deductions withheld from income

Select the frequency (Bi-Weekly, Monthly, Annual, or Weekly) for each deduction below:

Income Taxes Withheld (Federal & Provincial)

$

CPP & EI Deductions

$

Employer Pension (RPP / Group RRSP)

$

Union & Professional Dues

$

Group Benefits & Health Premiums

$

Other Direct Deductions

$

4. Itemized Household Expenses

Click a category header to expand or collapse

Home & Housing

$0 ▼

Rent

$

Mortgage

$

Condo / Association Fee

$

Property Taxes

$

Home / Tenant Insurance

$

Utilities (Power, Gas, Water)

$

Internet & Cable

$

Phone & Mobile

$

Maintenance & Repairs

$

Renovation & Upgrades

$

Rental Property Expenses

$

Other Home Expenses

$

Food & Dining

$0 ▼

Groceries

$

Restaurants & Takeout

$

Alcohol / Tobacco

$

Food Subscriptions & Meal Kits

$

Other Food Expenses

$

Medical & Health

$0 ▼

Prescriptions & Medications

$

Health & Dental Insurance Premium

$

Dental Care

$

Optical Care & Eyewear

$

Hospital & Paramedical

$

Therapy & Counseling

$

Vitamins & Supplements

$

Other Health Expenses

$

Transportation

$0 ▼

Fuel

$

Maintenance & Repair

$

Parking & Tolls

$

Public Transit & Rideshare

$

Car Insurance

$

Car Loan Payment

$

Car Lease Payment

$

Other Transportation

$

Entertainment & Leisure

$0 ▼

Vacation & Travel

$

Club Membership

$

Hobbies & Crafts

$

Digital Subscriptions (Streaming/Software)

$

Other Entertainment

$

Children & Family

$0 ▼

Sport Activities & Clubs

$

Child / Day Care

$

Child Support

$

Education & Lessons

$

Gifts & Celebrations

$

Other Children Expenses

$

Personal Care & Apparel

$0 ▼

Gym Membership

$

Grooming & Salon

$

Clothing & Footwear

$

Dry Cleaning & Laundry

$

Jewellery & Accessories

$

Personal Care Items

$

Other Personal Expenses

$

Miscellaneous & Professional

$0 ▼

Alimony

$

Gifts & Donations

$

Religious Dues & Tithing

$

Charitable Contributions

$

Pet Expense

$

Housekeeping & Cleaning

$

Union Dues

$

Bank & Credit Card Fees

$

Investment / Tax / Legal Fees

$

Unreimbursed Business Expenses

$

5. Planned Savings & Wealth Accumulation

Systematic investments & savings plan

Select the frequency (Bi-Weekly, Monthly, Annual, or Weekly) for each savings item below:

TFSA (Tax-Free Savings Account)

$

RRSP (Registered Retirement Savings Plan)

$

RESP (Education Savings Plan)

$

Pension Plan (RPP / Group RRSP Match)

$

Non-Registered Investment Account

$

FHSA (First Home Savings Account)

$

RDSP (Disability Savings Plan)

$

Emergency Fund Savings

$

Employee Share Purchase Plan (ESPP)

$

Mortgage Lump-Sum Prepayment

$

Other Planned Savings

$

6. Major Purchases & Capital Goals

Upcoming capital outlays

Specify projected timeline and total estimated cost:

Rental Property Purchase

$

Cottage / Vacation Property

$

Vehicle Replacement

$

Boat / Marine Vessel

$

Recreational Vehicle (RV)

$

Wedding / Major Event

$

7. Emergency Reserve & Cash Flow Visual Analysis

Runway buffer assessment

Total Cash & Liquid Savings Available

$

Includes high-interest savings accounts, checking balances, and liquid GICs.

Income Breakdown & Allocation 0% Allocated

Living Expenses Planned Savings Unallocated Net Surplus

Calculated Emergency Buffer Enter expenses & cash reserves to calculate runway

0.0 Months