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We Built a Budget Planner Spreadsheet for Canadian Households — Here's What's Inside

  If you've been reading our RRSP/TFSA/FHSA and household budgeting pieces, you already know the line we keep coming back to: a plan is only as good as your ability to actually track it. So we built something to close that gap. Introducing the Canadian Budget Planner It's an editable spreadsheet — not a course, not a subscription, just a tool you can start using today — built specifically around how Canadian households actually budget. What's inside: Monthly Budget tab — Planned vs. Actual across Housing, Transportation, Debt, Food, Personal and more, with totals and your savings rate calculated automatically RRSP, TFSA and FHSA contributions get their own line — treated as a required part of the budget, not whatever's left over at the end of the month Annual Overview tab — a 12-month view with an auto-updating income-vs-expenses chart and a savings-rate chart, so you can see your trend across the year Just fill in the blue cells — every total, difference, and percen...
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Toronto Housing Market Slips Below $1M as Prices Cool

                                      Toronto's average housing price dropped below $1M last month

The Toronto-area housing market has crossed a symbolic threshold, with the average home price falling below $1 million for the first time since 2021. The shift reflects a broader cooling trend driven by high borrowing costs, increased listings, and more cautious buyer behaviour.

Real estate analysts note that elevated interest rates have pushed many prospective buyers to the sidelines, waiting for improved affordability or potential rate cuts. At the same time, more homeowners are listing their properties, easing the supply pressure that helped fuel rapid price growth during the pandemic boom.

While the dip offers a measure of relief for buyers who have struggled with affordability, experts emphasize that the long-term outlook remains uncertain. Economic conditions, population growth, and future rate decisions will continue to shape the trajectory of one of Canada’s most closely watched housing markets.


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