Monthly close

July 2026

Contribution splitThe percentage of the month's contribution basis assigned to DY and HJ.

DY54.2%
HJ45.8%

Split uses the workbook contribution basis. Personal money uses cash income only, so it reflects money left after the transfer.

Basis totalDY and HJ's combined contribution basis for the month.$19,831
Planned spendThe amount the family expects the joint account to cover for the month.$9,530
Logged spendThe total of this month's transactions, excluding rows marked Ignore.$17,181
Over / underLogged spend minus planned expenditure. A positive amount is over budget; a negative amount is under budget.+$7,651

Transfers

Amounts to send

DY54.2% share
Monthly incomeTake-home cash recorded from paystubs. This is the amount used to calculate cash left after the joint-account transfer.
$9,565
Amount to sendDY's share of planned expenditure, based on DY's percentage of the contribution basis.
$5,168
Cash leftCash income minus the amount sent to the joint account. Payroll deductions are not counted as spendable cash.
$4,397
Transfer planThe amount to send divided into e-transfers of no more than $3,000 each.2 transfers
  1. Transfer 1$3,000
  2. Transfer 2$2,168
HJ45.8% share
Monthly incomeTake-home cash recorded from paystubs. This is the amount used to calculate cash left after the joint-account transfer.
$6,943
Amount to sendHJ's share of planned expenditure, based on HJ's percentage of the contribution basis.
$4,362
Cash leftCash income minus the amount sent to the joint account. Payroll deductions are not counted as spendable cash.
$2,580
Transfer planThe amount to send divided into e-transfers of no more than $3,000 each.2 transfers
  1. Transfer 1$3,000
  2. Transfer 2$1,362

Month settings

Budget, card, checklist

Income tab

Add paystub

Paystub fieldsCash incomeTake-home cash recorded from paystubs. This is the amount used to calculate cash left after the joint-account transfer.Pension LThe payroll pension amount recorded in the workbook's Pension L field. It is included in the contribution basis.Pension HThe payroll pension amount recorded in the workbook's Pension H field. It is included in the contribution basis.ESOPEmployee share ownership plan amount from the paystub. It is included in the contribution basis.RRSPRegistered Retirement Savings Plan amount from the paystub. It is included in the contribution basis.
DatePersonCash incomePension LPension HESOPRRSPNote
2026-07-01DY$3,108$191$206$0$0
2026-07-01HJ$3,409$0$0$593$474
2026-07-01DY$3,080$191$206$0$0
2026-07-01HJ$3,534$0$0$593$474
2026-07-01DY$3,376$191$206$0$0

Expense review

Suggested fixed expenses

TypesFixedA recurring or predictable family expense, such as the mortgage, utilities, insurance, or childcare.CardA credit-card statement, payment, or card-related transaction that may need a separate statement review.SavingsMoney intentionally moved to family savings. It counts as part of the month's planned use of money.One-offA non-recurring family expense or unusual transaction that does not belong to a regular monthly category.Income offsetMoney returned to the family account, such as a refund or reimbursement. Enter it as a negative amount when it should reduce logged spending.
StatusesNeeds reviewThe transaction has been entered but still needs to be checked against the bank or card account.ReviewedThe transaction has been checked and accepted as correct.FlaggedThe transaction needs attention and will be called out in the monthly report.IgnoreThe row stays in the transaction log but is excluded from spending totals and the monthly report calculation.

Expense review

Add reviewed transaction

TypesFixedA recurring or predictable family expense, such as the mortgage, utilities, insurance, or childcare.CardA credit-card statement, payment, or card-related transaction that may need a separate statement review.SavingsMoney intentionally moved to family savings. It counts as part of the month's planned use of money.One-offA non-recurring family expense or unusual transaction that does not belong to a regular monthly category.Income offsetMoney returned to the family account, such as a refund or reimbursement. Enter it as a negative amount when it should reduce logged spending.
StatusesNeeds reviewThe transaction has been entered but still needs to be checked against the bank or card account.ReviewedThe transaction has been checked and accepted as correct.FlaggedThe transaction needs attention and will be called out in the monthly report.IgnoreThe row stays in the transaction log but is excluded from spending totals and the monthly report calculation.
DateItemAmountTypeStatusNote
2026-07-02Alderwood$1,348FixedReviewed
2026-07-02Cricket (Home Gas)$56FixedReviewed
2026-07-06Enbridge$39FixedReviewed
2026-07-07TD Mortgage$1,456FixedReviewed
2026-07-15Toronto Tax$591FixedReviewed
2026-07-21TD Mortgage$1,456FixedReviewed
2026-07-29Home Insurance$283FixedReviewed
2026-07-29Car Insurance$92FixedReviewed
2026-07-06CIBC Mastercard$4,000CardFlagged
2026-07-06Rogers Mastercard$1,300CardFlagged
2026-07-28CIBC Mastercard$4,500CardFlagged(AirBNB 1500, but 1000 is paid by other 2 families)
2026-07-28Rogers Mastercard$1,060CardFlagged
2026-07-31Savings$1,000SavingsReviewed

Generated close note

Monthly report