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Monthly · Adjustable · Real Canadian numbers

Will your money last
the whole semester?

Monthly income
OSAP disbursement (monthly)$600
Divide your total OSAP by 8 months
Part-time / co-op income$800
After tax. ~$16/hr x 15hrs/wk ~$960/mo
Family support / other$200
Parental transfers, bursaries, savings drawdown
Monthly expenses
Rent / residence
$900dn
Groceries & dining
$350dn
Transit / transport
$120dn
Phone
$50dn
Subscriptions
$30dn
Personal & hygiene
$60dn
Textbooks & suppliesabove peers
$80dn
Entertainment
$100dn
Emergency fund
$50dn
Over budget
-$140
per month
You are $140 short each month. See suggested cuts below.
Total income$1,600
Total expenses$1,740
Spending 100% of income
You are spending above peers on:
Textbooks & supplies+$20/mo vs median
Peer median based on Statistics Canada student spending survey. Your situation may differ.
Suggested cuts
~$100/mo potential
Rent / residenceSave ~$50/mo
You: $900 · Peer median: $850
-Adding one roommate can save $300–$500/mo
-Compare on-campus vs off-campus — sometimes residence is cheaper
Groceries & diningSave ~$30/mo
You: $350 · Peer median: $320
-Meal prep Sunday saves $80–$120/mo vs daily eating out
-PC Optimum + Flyer app = ~$30/mo in grocery savings
Transit / transportSave ~$20/mo
You: $120 · Peer median: $100
-Check if your university transit pass is already in your fees
-TTC student discount if under 19 or with valid student ID
Where your money goes
Rent / residence$900
Groceries & dining$350
Transit / transport$120
Entertainment$100
Textbooks & supplies$80
Personal & hygiene$60
Phone$50
Emergency fund$50
Subscriptions$30
8-month semester projection
Total income$12,800
Total expenses$13,920
Shortfall$1,120