Free Canadian decision tool

Parental Leave Income Map

Turn an uncertain leave period into an illustrative household income map, gap check, and confirmation calendar.

For eligible households outside Quebec preparing for a federal parental-leave income window.

Start the tool Check fit first

Set up in about 10 to 15 minutes Your values stay on this device

Free client-side workspace

Give the leave window a household shape.

Explore two illustrative federal EI scenarios, household costs, and a savings bridge without uploading employer or family information.

No employer data
No account

Start with the facts to confirm

Map the cash window without pretending it is an official decision.

Exact benefit amounts are determined after an application is processed. This workspace only compares steady-income federal illustrations.

Federal or Quebec route

Province or territory when benefits start Was your recent employment income steady?

Illustrative household scenario

Average weekly insurable employment earnings before tax CA$Essential monthly household costs during leaveCA$Other expected monthly household incomeCA$Savings you are willing to use for leaveCA$

Employer top-up, shared weeks, tax withholding, exact entitlement, and application outcomes must be confirmed separately. Quebec users are routed to QPIP information.

What you leave with

A clear plan, not more financial noise.

Compare federal leave-income scenarios with your household costs
See the first month a savings bridge could come under pressure
Prepare employer and official-source questions without sharing private details

Read this before you rely on it

It is not for

Quebec parental-insurance calculations
Official eligibility or benefit determinations
Employment, HR, or legal advice

If the tool is not a fit, we show the reason and a safer next resource. We do not force a product recommendation.

Sample resultIllustrative only

Your next action

Confirm your top-up and map the first gap month.

See the assumption, the source state, and the next question to confirm before acting.

Calculation version shown · Sources beside results

Privacy by design

Your financial details are for the calculation, not our database.

This tool calculates in your browser. You can download a local copy or reset the workspace whenever you choose.

Read the privacy approach

Optional companion

The tool above is free. The workbook is the part you buy.

Use the workspace as long as you like without paying or creating an account. The companion spreadsheet is for people who want to keep a copy, work offline, and carry the plan forward month by month.

Companion workbook

Paycheque Cash-Flow Map

CA$29one-time purchase

A spreadsheet you keep, for Excel or Google Sheets
Optional. The tool on this page is free and always will be
No subscription and no Money Journal account

The workbook is not on sale yet. The tool on this page is free to use right now.