Needs
4 categories
- Rent or mortgageHousing payment24%
- GroceriesShared food basics10%
- UtilitiesPower, telecom, insurance6%
- TransportationTransit, car, fuel10%
Couples
Couple 50/30/20 Quebec
A pooled-income starter budget for couples who want needs, lifestyle, and savings separated clearly.
Use 50% for essentials, 30% for flexible lifestyle spending, and 20% for savings or debt goals. Quebec-specific savings categories keep RRSP and TFSA planning visible.
50%
Lifestyle
3 categories
- RestaurantsEating out together8%
- Personal spendingIndividual fun money12%
- Travel and giftsShared goals10%
Savings
3 categories
- Emergency fundCash buffer7%
- RRSPRetirement savings6%
- TFSAFlexible savings7%