True Income

Canadian tax and cost insights

Savings planning

Map out your emergency fund and savings goal with realistic monthly costs.

Plan an emergency fund or settlement milestone.

Monthly contribution

Goal template

Pick a template or set a custom goal.

Goal amount

Use discretionary income50% of monthly discretionary

Adjust how much of your discretionary income goes to this goal.

Include savings interestAPY rate

% APY

Average HISA rates change. Adjust if you have a specific offer.

Set a contribution to see the timeline details.

Build a safety net based on your monthly costs.

Add costs

Add your monthly expense estimate to size your emergency fund.

Net monthly income$5,200

Discretionary monthly (leftover)$0

CityToronto, ON