Dashboard Mockup — All 5 Features

Month Account Exclude Internal Transfers (True P&L)

Total Income

$8,450.00

Total Expenses

−$3,630.00

Net

$4,820.00

Expense Breakdown

6-Month Income vs Expenses

AI Insights

🔔 Recurring Subscriptions

NETFLIX−$22.99

SPOTIFY−$11.99

ADOBE CC−$79.99

📊 Top Expense Categories

Rent32%

Groceries18%

Meals14%

💸 Spending DNA 3-month behavioral patterns

▼

Category Breakdown

Category	Type	Amount	Txns	% of Total
Rent	expense	−$1,750.00	1	48.2%
Groceries	expense	−$620.00	12	17.1%
Meals	expense	−$510.00	18	14.0%
Shopping	expense	−$380.00	7	10.5%
Subscriptions	expense	−$115.00	5	3.2%
Salary	income	+$8,450.00	1	—

✅ 3 On Track ⚠️ 1 Near Limit 🔴 2 Over Budget ○ 4 No Target

Category	Target (CAD)	Actual	Variance	Status
Meals		$510.00	+$60 (+13%)	⚠ Over
Groceries		$620.00	−$30 (−5%)	✓ On Track
Shopping		$380.00	+$180 (+90%)	✗ Over
Subscriptions		$115.00	−$5 (−4%)	✓ On Track
Entertainment		$170.00	+$20 (+13%)	⚠ Near
Transport	—	$285.00	—	No Target

Total Invested

$62,400 CAD

Cost basis

Market Value

$84,520 CAD

▲ +$22,120 total return

Total Return

+35.5%

Unrealized gain

Total Dividends

$1,240 CAD

Received YTD

Live FX: 1 USD = 1.3842 CAD ● Live Updated 2 min ago

Holdings

All values in CAD

Ticker	Shares	Avg Cost	Live Price	Market Value	Gain / Loss	Return %	Weight
VFV.TO Vanguard S&P 500	120	$128.40	$178.20 ●	$21,384	+$5,976	+38.8%	25.3%
AAPL Apple Inc.	45	$245.60 CAD	$267.40 CAD	$12,033	+$981	+8.9%	14.2%
XEQT.TO iShares All-Equity	200	$28.90	$31.45 ●	$6,290	+$510	+8.8%	7.4%
NVDA NVIDIA Corp.	15	$1,420.00 CAD	$1,380 CAD STALE	$20,700	−$600	−2.8%	24.5%
BCE.TO BCE Inc.	180	$36.20	$33.10 ●	$5,958	−$558	−8.6%	7.1%

Dividends Received

Date	Ticker	Amount (CAD)	Notes
2026-04-01	BCE.TO	+$108.00	Q1 dividend
2026-03-15	VFV.TO	+$72.00	Quarterly distribution
2026-01-15	BCE.TO	+$108.00	Q4 dividend

💼 CPA Advisor

Updated 5m ago

Shopping Overspend 🔴 High

You spent $380 on Shopping this month — 90% above your $200 target. Over the last 3 months, this category has consistently run hot (+$180 avg overage). This is your biggest controllable leak.

Set a strict $220/mo shopping limit and review your Amazon auto-reorder settings this week.

RRSP Opportunity 🔴 High

Your $8,450/mo income places you in the 33% marginal bracket (CRA 2026). If you have unused RRSP room, every $10,000 contributed saves ~$3,300 in federal tax. With $4,820 monthly net, you can afford to contribute.

Log into CRA My Account this week to check your RRSP deduction limit. Contribute before March 1 deadline.

Meals Creeping Up 🟡 Medium

Dining expenses rose 13% above target ($510 vs $450 budget). Uber Eats alone accounts for $220 of this — averaging $28/order, 8 orders/month. A small habit shift has meaningful annual impact: $1,440/year recoverable.

Cap delivery orders to 4/month. Cook in batches on Sundays to reduce impulse ordering.

Capital Gains Exposure 🟡 Medium

Your portfolio has $22,120 in unrealized gains. Under CRA rules, 50% of capital gains above your annual limit are taxable as income. If you plan to sell positions, consider spreading realizations across tax years.

Consult a CPA before selling any position with >$10,000 gain. Do not trigger gains near year-end if your income is already high.

TFSA Headroom 🟢 Low

Assuming your TFSA is not maxed, your current $4,820/mo net cash flow allows for meaningful monthly contributions. TFSA growth is fully tax-free — ideal for your equity holdings (AAPL, NVDA) with high growth potential.

Move at least $500/mo into a TFSA-sheltered brokerage account. Prioritize high-growth US equities inside the TFSA.

Subscription Audit Due 🟢 Low

You have 3 flagged subscriptions (Calm App, Duolingo Plus, Apple Storage) totaling $31.98/mo. While individually small, the annual cost is $383. Your Spending DNA tab shows these have been active for 3+ months without obvious usage signals.

Cancel the three flagged subscriptions this week. Set a calendar reminder to audit all subscriptions quarterly.