Budget and cash flow
Turn budget details into a reviewed cash-flow estimate
This page explains how an advisor can organize income, expenses, savings room, and debt commitments to estimate monthly capacity before ranking competing priorities.
Estimates and illustrations are computed using published CRA and Revenu Québec rules and parameters (2026). · Last updated 2026-06-18
Example scenario
A household earns stable income but cannot decide whether the surplus should go to debt, REER, CELI, insurance, REEE, or an emergency fund. The advisor needs a clear cash-flow estimate before ranking the options.
Workflow steps
- Organize recurring income, fixed expenses, variable spending, debts, and savings.
- Estimate monthly capacity and flag volatility and spending categories that need review.
- Connect the estimated capacity to retirement, tax, mortgage, and insurance priorities.
Expected outcome
The advisor can show estimated monthly capacity and a ranked list of next actions the household reviews together.
FAQ
Does the public page connect to bank data?
No. The public page explains the workflow with representative figures; integrations and client data stay inside the authenticated app.
Why describe budget capacity publicly?
Estimating monthly cash-flow capacity is a recurring question for Canadian households and the advisors who organize their files.
Related resources
This resource belongs to the Debt and cash-flow illustrations group. Compare the neighbouring resources:
Mortgage scenario estimates for Canadian files
This page helps an advisor illustrate payment changes, amortization, refinancing, and prepayment estimates with clear assumptions the client can review.
Loan amortization and repayment estimates
This page describes how loan details can be organized and reviewed alongside cash flow, mortgage figures, and savings priorities to illustrate repayment estimates.
Rental property cash-flow estimates
This page describes how property data can be organized to illustrate cash-flow estimates for the discussion, without publishing addresses, tenants, or owner records.
Prepare this workflow in AssureConcept
Use the secure application for real client files, reviewed documents, and advisor-ready reports.