Carolina Kit · Free

2026 Family Budget

An 11-sheet connected Excel workbook built for families in Canada: type once and everything updates, with monthly, yearly and category charts. (Workbook in Spanish.)

2026 Family Budget

Where should we send your budget?

What’s inside

  • Settings: Your province, household and savings and emergency-fund goals.
  • Income: Main, secondary and government benefits (CCB, GST/HST credit, CWB).
  • Expenses: Over 40 Canadian categories, with provider lists and a need-or-want tag.
  • Savings & Investments: Emergency fund, TFSA, RRSP, FHSA and RESP with the official 2026 limits.
  • Debt: Balance, rate and payment: see how many months to pay off and which to tackle first.
  • Net worth: Assets, property, investments and debt: your net worth in one number.
  • Estate & Legacy: Policies, beneficiaries, documents and an indicative protection estimate.
  • Summary & Dashboard: Seven charts that calculate themselves: monthly, yearly and by category.

How to use it in 3 steps

  1. Fill in the Settings sheet (province, household, goals).
  2. Enter your monthly income and expenses in the yellow cells.
  3. Check the Dashboard once a month and adjust: 20 minutes is enough.

Official sources

Educational, indicative tool. It is not personalized financial, tax or legal advice. Sample figures and 2026 limits come from public sources; confirm your situation with the CRA or a professional.