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Monthly, at the current settings. Groups match the input sections.
Left over if every quoted cost lands at the low end versus the high end of its range. Lifestyle spending held at current settings.
Each bar shows left over as that one cost moves from the high end (left) to the low end (right) of its range, all else as set. The dark tick is your current scenario.
Every cost in the scenario, with its share of take-home pay. Switched-off items show as $0.
| Item | Monthly | % of pay |
|---|
Monthly credit card spending, Amex Cobalt and TD Aeroplan, January to September 2026. Payments and reimbursed items excluded.
Each lifestyle slider starts from one of these columns, picked with “Spending basis”. Normalized smooths seasonal and one-off spending; in-season is the April to September average.
| Category | Normalized | Average | In-season |
|---|
Scenario figures are calculated live from the inputs on this page and reset when the page reloads. Ranges and quotes come from your stated numbers; spending defaults come from your card ledger. Costs not paid by card (phone, cash, e-transfers) are not included yet.
Offline copy exported October 27, 2026.