Our AI looks at your last 6 months and suggests separate accounts for rent, bills, health and travel, then moves money there on payday.
You stay in control: nothing moves until you approve it.
Test what happens to your savings if something changes. Pick one or more situations below; every number is worked out from your own account.
See how much extra savings would carry you to your target, and compare recovery options side by side.
Go to Saving plan →Your plan for the situations you chose: the savings that would get you to a target, and recovery options compared side by side.
We laid off every one of the bank's 4,500 customers on paper, with EI paying 55% of their income. The people with the most money coming in ran out first. Income tells you how much flows through an account. Runway tells you how long someone lasts.
EI at 55%, by income quarter
High earners spend almost everything that comes in, so EI at 55% leaves a large monthly hole and the buffer covers less than two months of spending.
900 customers. Each dot shows monthly income against the months their savings would last after losing their job (shown up to 36). Select a dot to open it.
682 loans, 76 defaults. 0.5 is a coin flip, 1.0 is perfect.
High earners do default less in real life (4.7% against 17.5% for the lowest quarter). The paradox is about what happens if the shock hits. Runway is the better measure either way.
Typical month, savings buffer and runway, from this account's own history. Every number comes from their own records.
Average month. Hover a stream to trace it.
Shaded months set the buffer
Average per month
Build your emergency fund, then see how long it would last if something went wrong. Pick a scenario below and everything on this page updates, using your own numbers.
Bar 1 is what happens if the scenario hits. Each bar below adds one more move on top of the ones above it. The longer the bar, the longer your money lasts.
Pick a scenario below to see how long your emergency fund would last.
This uses your own numbers for the scenario you picked. Read it from top to bottom: first what you have saved, then what happens each month.
How long your emergency fund lasts, in months, for every mix of income cut and bill increase. Select a cell to load it.
Six well-known rules, measured against how this customer actually spends. Change the income to plan for any paycheque.
Each rule splits your take-home pay into buckets. The numbers are percentages: 50/30/20 means 50% for needs like rent and bills, 30% for wants, and 20% for savings. Pick one to compare it with how you spend today.
Give every dollar a job. Starts from this account's typical month.
Aim for zero. A negative number means the plan spends more than comes in.
Where money goes once the safety net is in place, in the order that usually makes sense in Canada. General education, not personal financial advice.
Returns are assumptions for illustration, before fees and inflation.
Ask about this customer's numbers. With a Gemini key in Profile, answers come from Gemini with the account and shock attached. Without one, the built-in coach answers from the same numbers.
Drop in a monthly_summary.csv with any number of accounts and, if you have it, loans.csv. ChequeMate computes every account in your browser. Nothing leaves this page.
Months until savings run out, with Employment Insurance (EI) paying 55% of usual income
Savings would run out soonest after a job loss
Each month against the yearly average (1.0)
Official Canadian sources for the moments in this plan, and the data behind ChequeMate.
Details the bank's data can't know. They shape the plan, the budget and the coach for this customer, and stay in this browser.
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Highest resilience scores in the bank
Lowest scores. Open one and build a plan.
Everything is saved in this browser only
Two games built on real accounts. Runway Run deals a year of life to this customer, one month at a time. Who lasts longer? tests your instinct for the paradox.
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