Zoho Sheet - Expenses

Expenses Added Monthly Receipts Alexandra Debits Miscellaneous Brampton Budget Calculation Budget Pay Stubs 2001_2008 Pension Projections Pension Projections Test

Expenses


							Above budget savings:	$484.85
							Price of gas at (cents)	78.00
Food		$305.00
Transportation		$140.30	Fixed
Laundry		$65.36
Miscelaneous		$710.81

Total		$1,221.47
							Deficit from past budgets:	$1385.44

					TOTAL	NOT SPENT

2,161.48	Added	Monthly	Receipts		$1,891.42	-669.95
$293.61	Exempt
						Days in month	Miscellaneous
		NET	TODAY			28	$448.34
IN		OUT	Cash	Date		Day number in month
						28
$225.60		$185.00	$40.60	Feb.01		Expendable cash
$185.00		$164.80	$20.20	Fe.03		-669.95
$164.80		$160.00	$4.80	Feb.03
$160.00		$140.40	$19.60	Feb.06
$140.40		$90.00	$50.40	Feb.09
$200.00		$264.50	-$64.50	Feb.12
$144.50		$130.35	$14.15	Feb.15
$130.35		$126.20	$4.15	Feb.16
$126.20		$115.00	$11.20	Feb.17
$115.00		$188.60	-$73.60	Feb.18
$188.60		$165.95	$22.65	Feb.21
$165.95		$100.00	$65.95	Feb.22
$100.00		$90.00	$10.00	Feb.22
$90.00		$342.00	-$252.00	Feb.24
$130.00		$113.85	$16.15	Feb.24
$177.00		$133.20	$43.80	Feb.24
$131.00				Feb.28





























							ING (RSP)	$26,296.86	These sums must be in
							ING (Savings)	$37.00	bank accounts. Transfer $850.00
							ING (Vacations)	$135.35	for savings and $100.00 for vacations.
							NBC (Investments)	$11,187.57	every month.

							Total (Vacations not included)	$37,521.43

							Goal for June 30, 2011 ($10000)	$44,600.00	No second car

							Surplus/Deficit	-$7,078.57	Adjust this sum with cash transfers
									to ING savings account to be reflected
Budget Balance		Miscellaneous				Just for reference (does not affect any calculations)			in the ING savings account above.
						Date	Extra Budgetary Expenses
January, 2008	$1,385.44		$938.96			Brakes	February, 2007	$329.04
						Compression test	Feb. 22, 2007	$106.02
						A/C	Apr.26, 2007	$682.95
						Rotors	Oct.11, 2007	$127.00
						Muffler pipe	Nov.07, 2007	$205.95
						Brakes	Mar.05, 2008	$239.47
						Tires	Apr.26, 2008	$180.80
						Front alignment check	Apr.26, 2008	$40.43
						Tires	Apr.26, 2008	$90.40
						Tire	Apr.26, 2008	$90.40
						Transmission bushing	May. 29, 2008	$139.40
						Brakes	Jun. 05, 2008	$413.42
						Alternator	Aug.30, 2008	$505.99
						Stabilizer links	Oct.04, 2008	$252.75






						Total	$3,404.02

Added Monthly Receipts


Expense	Amount	Date	Total		Fixed	Expense	Difference
				HWY 407		$93.72	$93.72	*
Fixed Expenses	$304.52			Bank services	$15.00	$13.95	-$1.05	**	**Difference goes towards budget
			$2,161.48	Bell Canada phone + Internet	$96.89	$89.45	-$7.44	**	* Deduct as is
Yumei Sushi	$53.78	Feb.02		Telus	$38.00	$37.71	-$0.29	**
Parking	$14.00	Feb.03		Car Insurance	$127.75	$119.48	-$8.27	**
Lee's Variety Store	$10.47	Feb.03		Pote de Mama	$100.00	$100.00	$100.00
Shopper's Drugmart	$7.99	Feb.03		Ex. Exchange	$13.00	$13.00	$0.00	*
McDonald's	$9.03	Feb.04		Rogers Mobile Internet	$50.00	$52.45	$2.45	**
TV Tuner	$118.64	Feb.05		Zip.ca	$28.50	$28.50	$28.50	*
Lick's Homeburgers	$9.80	Feb.05		Services (Econ., Yahoo, Startlo.)	$17.00	$17.00	$17.00	*
Prince Supermarket	$12.19	Feb.05		YMCA	$37.20	$37.20	$37.20	*
Second Cup	$6.27	Feb.06
iTunes	$7.30	Feb.06					$261.82	Sub-total
Memory	$44.06	Feb.07		YEARLY PAYMENTS
Williams Coffee Pub	$9.00	Feb.07		(Incorporated in budget)
Tim Horton's	$2.90	Feb.08
Best Western	$36.98	Feb.08		Economist	$94.00
Sobeys	$24.38	Feb.08		Yahoo	$20.00
Wye Marsh	$19.99	Feb.08		Start Logic	$90.00
iTunes	$5.00	Feb.09		CAA	$98.00	$140.70	$42.70
Parking	$1.50	Feb.09		Lottery	$204.00
Gas	$34.55	Feb.09		License renewal	$74.00
Wong's Camera Wholesale	$12.00	Feb.09		Street Parking	$128.40
Shoppers Drug Mart	$44.55	Feb.11
Laptop battery - Toshiba	$187.08	Feb.13					$42.7	Sub-total
iTunes	$6.50	Feb.14
West 50 Pourhouse	$117.75	Feb.14					$304.52	Total
Movies	$32.97	Feb.14
Blockbuster	$6.43	Feb.15	Total
Tim Hortons	$4.68	Feb.15	$2,161.48
Algonquin Park	$13.85	Feb.15
Travelodge	$89.09	Feb.15
Delta Grandview Bar	$51.35	Feb.15
Tim Hortons	$10.48	Feb.16
McDonald's	$18.16	Feb.16
Mac's	$8.18	Feb.16
Gas	$26.29	Feb.16
Parking	$12.00	Feb.17
Startlogic	$13.00	Feb.17
Gas	$26.68	Feb.18
The Movies Download	$38.68	Feb.19
Cash	$120.00	Feb.20
Flowers	$14.68	Feb.20
Parking	$10.50	Feb.21
Pizza Pide	$23.47	Feb.21
Tim Horton's	$5.55	Feb.21
Longo's	$19.92	Feb.22
Parking permit	$16.19	Feb.23
Blockbuster	$8.34	Feb.23
Le Pain Quotidien	$20.18	Feb.23
The BeerStore	$22.75	Feb.23
LCBO	$13.70	Feb.22
Cash	$252.00	Feb.24
ROM	$18.00	Feb.24
Lettieri E-Bar Cafe	$8.99	Feb.24	Total
Parking	$24.00	Feb.24	$2,161.48
Gas	$28.75	Feb.24
Breakfest	$15.00	Feb.24
iTunes	$5.50	Feb.24
LCBO	$24.90	Feb.27
Tim Horton's	$9.56	Feb.28
Le Pain Quotidien	$41.23	Feb.28
Euro Crepe Cafe	$6.20	Feb.28

















			Total
			$2161.48

Alexandra Debits


			Current
		Amount	Total
Feb.01	Balance forward	$201.93	$329.41	*	Grey column is amount owed by Erwin to Alexandra
February	Overnight stays **	-$90.00
Feb.01	Zip.ca	14.25
Feb.01	YMCA		$37.20
Feb.02	Yumei Sushi	$13.52
Feb.04	CAA renewal	$36.75
Feb.08	Gas		$12.65
Feb.08	Wye Marsh	$10.00			Overnight stays
Feb.08	Winshield washing liquid	$5.64						Current
Feb.08	Best Western	$9.00					Amount	Total
Feb.15	Gas	$31.70			Feb.01	Sunday	$12.00	$90.00
Feb.15	Delta Grandview Bar	$21.39			Feb.06	Friday	$6.00
Feb.15	Blockbuster	$3.22			Feb.07	Saturday	$12.00
Feb.15	Tim Hortons	$2.00			Feb.08	Sunday	$6.00
Feb.15	Travelodge	$44.55			Feb.13	Friday	$6.00
Feb.15	Algonquin Park	$6.93			Feb.14	Saturday	$12.00
Feb.16	Gas		$26.29		Feb.16	Monday	$6.00
Feb.16	Tim Horton's	$5.24			Feb.20	Friday	$6.00
Feb.16	McDonald's	$8.90			Feb.21	Saturday	$6.00
Feb.21	Gas	$3.82			Feb.22	Sunday	$12.00
Feb.21	Parking	$5.25			Feb.28	Saturday	$6.00
Feb.21	Pizza Pide	$11.12
Feb.22	Chicken and bread	$10.68
Feb.23	Parking permit	$8.10
Feb.23	Blockbuster	$4.17
Feb.23	Le Pain Quotidien	$10.07
Feb.24	Breakfest	$7.50
Feb.27	Blockbuster	$3.22
Feb.28	Tim Horton's	$4.78
Feb.28	Le Pain Quotidien	$11.83

Miscellaneous


Miscellaneous

Item	Date	Amount	Total	$448.34

TV Tuner	Feb.05	$118.64
Memory	Feb.07	$44.06
Toshiba battery	Feb.13	$187.08
The Movies Download	Feb.19	$38.68
MagicJack	Feb.20	$59.88

Brampton Budget Calculation


Brampton Budget Calculation

Year	365	days
Month	30.42	days
Weeks in month =	4.35	weeks





Alexandra's House Expenses
	Monthly	Annual
Hydro	$100.00	$1,200.00
Heating	$100.00	$1,200.00
Water	$16.67	$200.00
Internet	$57.00	$684.00






Erwin's Monthly Expenses

Hydro	$33.33
Food (Erwin)	$182.50	$6.00	Per day
Snacks (Erwin	$91.25	$3.00	Per day
Heating	$33.33
Water	$5.56
Internet	$19.00

Total	$364.97

Total per day	$12.00

Budget

Budget
	MONTHLY BUDGET
					Gas Cost		Kilometres	340
	Date issued: Januaty 30, 2006						Litres	31.2
							Litres/Km	0.09
	1 month = 30.5 days				Day	Miles
							Price of gas (cents)	78
DAILY EXPENDITURES					Mon.	84
					Tue.	48
Food			$10.00		Wed.	48
Newspaper			$0.00		Thu.	84
Transportation - No 407			$5.56		Fri.	120
			__________		Sat.	80
		Total	$15.56		Sun.	80

WEEKLY EXPENDITURES					Total
					Per Week	544
Sustenance			$108.94
Laundry			$15.00		Total
Miscellaneous			$154.54		Per Month	2370.29
			__________
		Total	$278.48		Total
					Per Year	28443.43
MONTHLY EXPENDITURES

Rent			$675.00
RRSP			$850.00
Food			$305.00
Transportation			$169.66
Newspaper			$0.00
Lottery			$17.00
Parking permit			$10.70
Vehicle License Renewal			$6.17
CAA			$8.16
Hydro			$0.00
Savings for travel			$100.00
Water			$0.00
Cable TV			$0.00
Cellular			$38.00
Bell phone + Internet			$96.89
Rogers Internet (Toronto)			$50.00
Laundry			$65.36
Car Insurance			$127.75
Bank Service Charges			$15.00
Miscellaneous			$710.81
			_____________
		Total	$3,245.49







Monthly averaged salary			$3,730.34	(See Pay Stubs 2001-2006)

Expenses			$3,245.49

			--------------------
		Balance	$484.85




Monthly expendable cash			$1,250.82
Daily expendable cash			$41.01

Pay Stubs 2001_2008

2001		2009		Difference
						Total
Jan. 05	$1,168.63	Jan.02	$1,565.58	$396.95		$36,320.88	Year 2001		Monthly Average (2001)	$3,026.74
Jan. 19	$1,340.33	Jan.16	$1,665.05	$324.72		$8,306.01	Year 2009		Monthly Average (2009)	$5,537.34
Feb. 02	$1,193.79	Jan.30	$1,725.05	$531.26
Feb. 16	$1,545.44	Feb.13	$1,625.28	$171.71		Average of Difference		$339.22	(Biweekly Average)
Mar. 02	$1,453.57	Feb.28	$1,725.05	$271.48		(Change formula when		$725.94	(Monthly Average)
Mar. 16	$1,403.92					entering new values)
Mar. 30	$1,403.92
Apr. 12	$1,256.48
Apr. 27	$1,403.92
May. 11	$1,256.48
May. 25	$1,345.48
Jun. 08	$1,256.48
Jun. 22	$1,345.48
Jun. 28	$5,630.08
Sep. 07	$1,510.72				Average monthly income is stated in budget as $3580.88 net motnhly.
Sep. 14	$1,413.47				Any downward change from this amount will render budget inaccurate
Sep. 28	$1,536.18
Oct. 12	$1,412.19
Oct. 26	$1,539.98
Nov. 09	$1,414.06
Nov. 23	$1,538.11
Dec. 07	$1,414.06
Dec. 21	$1,538.11


2001		2008		Difference
						Total
Jan. 05	$1,168.63	Jan.04	$1,533.88	$365.25		$36,320.88	Year 2001		Monthly Average (2001)	$3,026.74
Jan. 19	$1,340.33	Jan.18	$1,633.51	$293.18		$44,791.49	Year 2008		Monthly Average (2008)	$3,732.62
Feb. 02	$1,193.79	Feb.01	$1,585.18	$391.39
Feb. 16	$1,545.44	Feb.15	$1,687.96	$142.52		Average of Difference		$368.29	(Biweekly Average)
Mar. 02	$1,453.57	Feb.29	$1,687.96	$234.39		(Change formula when		$788.14	(Monthly Average)
Mar. 16	$1,403.92	Mar.14	$1,587.63	$183.71		entering new values)
Mar. 30	$1,403.92	Mar.28	$1,687.96	$284.04
Apr. 12	$1,256.48	Apr.11	$1,587.63	$331.15
Apr. 27	$1,403.92	Apr.25	$1,687.96	$284.04
May. 11	$1,256.48	May.09	$1,587.63	$331.15
May. 25	$1,345.48	May.23	$1,653.03	$307.55
Jun. 08	$1,256.48	Jun.05	$1,587.63	$331.15
Jun. 22	$1,345.48	Jun.19	$1,653.03	$307.55
Jun. 28	$5,630.08	Jun.26	$7,003.50	$1,373.42
Sep. 07	$1,510.72	Sep.05	$1,891.88	$381.16	Average monthly income is stated in budget as $3580.88 net motnhly.
Sep. 14	$1,413.47	Sep.12	$1,791.90	$378.43	Any downward change from this amount will render budget inaccurate
Sep. 28	$1,536.18	Sep.26	$1,891.88	$355.70
Oct. 12	$1,412.19	Oct.10	$1,791.90	$379.71
Oct. 26	$1,539.98	Oct.24	$1,891.88	$351.90
Nov. 09	$1,414.06	Nov.07	$1,791.90	$377.84
Nov. 23	$1,538.11	Nov.21	$1,891.88	$353.77
Dec. 07	$1,414.06	Dec.05	$1,791.90	$377.84
Dec. 21	$1,538.11	Dec.19	$1,891.88	$353.77


2001		2007		Difference
						Total
Jan. 05	$1,168.63	Jan.12	$1,473.30	$304.67		$36,320.88	Year 2001		Monthly Average (2001)	$3,026.74
Jan. 19	$1,340.33	Jan.26	$1,582.82	$242.49		$42,970.61	Year 2007		Monthly Average (2007)	$3,580.88
Feb. 02	$1,193.79	Feb.09	$1,525.29	$331.50
Feb. 16	$1,545.44	Feb.23	$1,634.82	$89.38		Average of Difference		$289.12	(Biweekly Average)
Mar. 02	$1,453.57	Mar.09	$1,525.29	$71.72		(Change formula when		$618.71	(Monthly Average)
Mar. 16	$1,403.92	Mar.23	$1,634.82	$230.90		entering new values)
Mar. 30	$1,403.92	Apr.05	$1,525.29	$121.37
Apr. 12	$1,256.48	Apr.19	$1,634.82	$378.34
Apr. 27	$1,403.92	May.05	$1,525.29	$121.37
May. 11	$1,256.48	May.19	$1,590.70	$334.22
May. 25	$1,345.48	Jun.01	$1,525.29	$179.81
Jun. 08	$1,256.48	Jun.15	$1,590.70	$334.22
Jun. 22	$1,345.48	Jun.29	$0.00	-$1,345.48
Jun. 28	$5,630.08	Jun.29	$8,193.52	$2,563.44
Sep. 07	$1,510.72	Sep.07	$1,823.26	$312.54
Sep. 14	$1,413.47	Sep.14	$1,720.39	$306.92
Sep. 28	$1,536.18	Sep.28	$1,823.27	$287.09
Oct. 12	$1,412.19	Oct.12	$1,720.39	$308.20
Oct. 26	$1,539.98	Oct.26	$1,823.27	$283.29
Nov. 09	$1,414.06	Nov.09	$1,720.39	$306.33
Nov. 23	$1,538.11	Nov.23	$1,831.34	$293.23
Dec. 07	$1,414.06	Dec.07	$1,723.08	$309.02
Dec. 21	$1,538.11	Dec.21	$1,823.27	$285.16


2001		2006		Difference
						Total
Jan. 05	$1,168.63	Jan.13	$1,441.10	$272.47		$36,320.88	Year 2001		Monthly Average (2001)	$3,026.74
Jan. 19	$1,340.33	Jan.27	$1,577.16	$236.83		$42,707.45	Year 2006		Monthly Average (2006)	$3,558.95
Feb. 02	$1,193.79	Feb.10	$1,493.10	$299.31
Feb. 16	$1,545.44	Feb.24	$1,629.16	$83.72		Average of Difference		$277.68	(Biweekly Average)		Including TPP deduction for monthly
Mar. 02	$1,453.57	Mar.10	$1,554.68	$101.11		(Change formula when		$594.23	(Monthly Average)		average income (10.9%)
Mar. 16	$1,403.92	Mar.24	$1,629.16	$225.24		entering new values)					$3,171.03
Mar. 30	$1,403.92	Apr.07	$1,523.89	$119.97
Apr. 12	$1,256.48	Apr.21	$1,629.16	$372.68
Apr. 27	$1,403.92	May.05	$1,523.89	$119.97
May. 11	$1,256.48	May.19	$1,589.30	$332.82
May. 25	$1,345.48	Jun.02	$1,523.89	$178.41
Jun. 08	$1,256.48	Jun.16	$1,589.30	$332.82
Jun. 22	$1,345.48	Jun.22	$0.00	-$1,345.48
Jun. 28	$5,630.08	Jun.29	$8,207.74	$2,577.66
Sep. 07	$1,510.72	Sep.08	$1,694.33	$183.61
Sep. 14	$1,413.47	Sep.22	$1,803.72	$390.25
Sep. 28	$1,536.18	Oct.04	$1,694.33	$158.15
Oct. 12	$1,412.19	Oct.20	$1,803.72	$391.53
Oct. 26	$1,539.98	Nov.03	$1,694.33	$154.35
Nov. 09	$1,414.06	Nov.17	$1,803.72	$389.66
Nov. 23	$1,538.11	Dec.01	$1,694.33	$156.22
Dec. 07	$1,414.06	Dec.15	$1,803.72	$389.66
Dec. 21	$1,538.11	Dec.29	$1,803.72	$265.61

Pension Projections

Last Updated:	Sep 13 2006
			Supply T.			Number of				Yearly
			Monthly Gross	CPP	OAS	months for	RRSP	RSSP and	RRSP	Taxable
		Comments	Income	Income	Income	RRSP	Total	Others Used	Balance	Income	SURPLUS
2007	55-56	No RRSP	$3,542.00	$0.00	$0.00	1	$39,410.80	$0.00	$39,410.80	$5,478.00	$83.44	You must supplement with $866.00 from savings
2008 and 2009	57-58	ST 8xmonth	$10,304.00	$0.00	$0.00	24	$39,410.80	$3,100.00	$36,310.80	$23,738.00	$300.96	Net
2010	58-59	ST 8-2xmonth	$7,728.00	$0.00	$0.00	12	$36,310.80	$3,900.00	$32,410.80	$23,512.00	$301.01	Net
2011	CPP 59-60	ST 2xmonth	$3,220.00	$1,588.00	$0.00	12	$32,410.80	$6,450.00	$25,960.80	$23,142.00	$302.75	Net
2012 to 2015	CPP 59-64	ST 2xmonth	$3,220.00	$4,764.00	$0.00	48	$25,960.80	$13,100.00	$12,860.80	$23,143.00	$302.82	Net
Jan. 2016-Aug.2016	CPP 64-65	ST 2xmonth	$1,932.00	$3,176.00	$0.00	8	$12,860.80	$5,500.00	$7,360.80	$20,560.00	$304.41	Net
Sep.2016 onwards	CPP-OAS 65	No Supply T.	$0.00	$4,764.00	$5,808.00	1	$7,360.80	$0.00	$7,360.80	$18,874.72	$195.63	Net


			Changes in			Calculations area
		Monthly	Monthly	Tax Rate
		Budget	Budget	%
2007	55-56	$1,840.24	$150.00	0.3115
2008 and 2009	57-58	$1,840.24	$150.00	0.2255
2010	58-59	$1,840.24	$150.00	0.2255
2011	CPP 59-60	$1,840.24	$150.00	0.2255
2012 to 2015	CPP 59-64	$1,840.24	$150.00	0.2255
Jan. 2016-Aug.2016	CPP 64-65	$1,690.24	$0.00	0.2255
Sep.2016 onwards	CPP-OAS 65	$1,690.24	$0.00	0.2255

OTTP Gross Yearly		$19,896.00		On the first $34,010 of Taxable Income 22.55%
Tax Exemption		$8,012.00		25.15% on the next $34,011, +
CPP Contribution %		4.95		31.15% above $35,596, +
EI Contribution %		1.87		32.98% above $59,883, +
Supply Teaching Daily Income		$161.00		35.39% above %68,021 (after that it does not apply to me anymore)


CPP at 60 retiring at 56:	$397.00		CPP at 60 and retiring at 60:			$446.00
CPP at 65 retiring at 56:	$567.00		CPP at 65 and retiring at 65:			$695.00
OAS at 65:	$484.00

PENSION ADJUSTMENT IS DEDUCTED AT AGE 65			$3,581.28	18.00	%






					Available as from
RRSP 2005			$3,400.00		Apr.28, 2006
RRSP (refunds from 2005) (1)			$1,614.00		Apr.28, 2006
RRSP 2006 (2)			$798.80		Apr.28, 2007
RRSP (refunds from 2006 (1&2) (3)			$795.00		Apr.28 2007
RRSP 2007			$5,100.00		Apr.01 2008
RRSP (refunds from 2007) (4)			$1,589.00		Apr.01 2008
RRSP			$3,002.00		Mar.16, 2009
RRSP			$5,100.00		May. 19, 2009'			You must have minimum of $6000 in
RRSP			$3,002.00		Sep.15,2010			the bank to compensate for inflation of 5%
Co-Op Savings			$1,000.00		Apr.28, 2006			(Return 2%)
Gratuity			$14,010.00		Apr.01 2008


					If I buy used car for $8000.00 taxes and inspection included)

					1000.00	Co-Op savings
					1430.99	ING Savings	Gratuity towards saving goals for June 30, 2006
					11187.57	NBC RRSP	is not included ($8000.00 for car are)
					6659.13	ING Savings
				Total savings	5528.27	ING RSP
				as Dec.03 2006	25805.96





	Total	$39,410.80


One	207
TAX RATE:					0.3115		CPP MONTHLY			RSSP MONTLY		$0.00
PENSION ADJUSTMENT AT 65							OAS MONTHLY			OTHER MONHLY
TAX EXEMPTED:					$8,012.00		OTTP MONTHLY:		$1,658.00	OTTP Yearly		$19,896.00
BUDGET					$1,840.24
CPP CONTRIBUTION					0.0495	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.
EI CONTRIBUTION					0.0187	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.

			Gross	Supply T.			PRE-TAX			ANNUAL	MONTHLY
			Income	Monthly			TOTAL	TAXABLE	TOTAL	NET	NET
TPP	CPP	OAS	Adjustments	Annualized	RRSP		INCOME	INCOME	TAX	INCOME	INCOME	SURPLUS

$9,948.00	$0.00	$0.00		$3,542.00	$0.00		$13,490.00	$5,478.00	$1,947.96	$11,542.04	$1,923.67	$83.44	NET

		Total			Used	Balance
TOTAL RRSP		$39,410.80		$10,304.00	$0.00	$39,410.80	NUMBER OF MOTNHS:			1
							MONTHLY RRSP:			$0.00


Two	2008 and 2009
TAX RATE:					0.2255		CPP MONTHLY			RSSP MONTLY		$129.17
PENSION ADJUSTMENT AT 65							OAS MONTHLY			OTHER MONHLY
TAX EXEMPTED:					$8,012.00		OTTP MONTHLY:		$1,658.00	OTTP Yearly		$19,896.00
BUDGET					$1,840.24
CPP CONTRIBUTION					0.0495	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.
EI CONTRIBUTION					0.0187	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.

			Gross	Supply T.			PRE-TAX			ANNUAL	MONTHLY
			Income	Monthly			TOTAL	TAXABLE	TOTAL	NET	NET
TPP	CPP	OAS	Adjustments	Annualized	RRSP		INCOME	INCOME	TAX	INCOME	INCOME	SURPLUS

$19,896.00	$0.00	$0.00		$10,304.00	$1,550.00		$31,750.00	$23,738.00	$6,055.65	$25,694.35	$2,141.20	$300.96	NET

		Total			Used	Balance
TOTAL RRSP		$39,410.80			$3,100.00	$36,310.80	NUMBER OF MOTNHS:			24
							MONTHLY RRSP:			$129.17


Three	2010
TAX RATE:					0.2255		CPP MONTHLY			RSSP MONTLY		$325.00
PENSION ADJUSTMENT AT 65							OAS MONTHLY			OTHER MONHLY
TAX EXEMPTED:					$8,012.00		OTTP MONTHLY:		$1,658.00	OTTP Yearly		$19,896.00
BUDGET					$1,840.24
CPP CONTRIBUTION					0.0495	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.
EI CONTRIBUTION					0.0187	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.

			Gross	Supply T.			PRE-TAX			ANNUAL	MONTHLY
			Income	Monthly			TOTAL	TAXABLE	TOTAL	NET	NET
TPP	CPP	OAS	Adjustments	Annualized	RRSP		INCOME	INCOME	TAX	INCOME	INCOME	SURPLUS

$19,896.00	$0.00	$0.00		$7,728.00	$3,900.00		$31,524.00	$23,512.00	$5,829.01	$25,694.99	$2,141.25	$301.01	NET

		Total			Used	Balance
TOTAL RRSP		$36,310.80			$3,900.00	$32,410.80	NUMBER OF MOTNHS:			12
							MONTHLY RRSP:			$325.00


Four	2011
TAX RATE:					0.2255		CPP MONTHLY			RSSP MONTLY		$537.50
PENSION ADJUSTMENT AT 65							OAS MONTHLY			OTHER MONHLY
TAX EXEMPTED:					$8,012.00		OTTP MONTHLY:		$1,658.00	OTTP Yearly		$19,896.00
BUDGET					$1,840.24
CPP CONTRIBUTION					0.0495	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.
EI CONTRIBUTION					0.0187	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.

			Gross	Supply T.			PRE-TAX			ANNUAL	MONTHLY
			Income	Monthly			TOTAL	TAXABLE	TOTAL	NET	NET
TPP	CPP	OAS	Adjustments	Annualized	RRSP		INCOME	INCOME	TAX	INCOME	INCOME	SURPLUS

$19,896.00	$1,588.00	$0.00		$3,220.00	$6,450.00		$31,154.00	$23,142.00	$5,438.13	$25,715.88	$2,142.99	$302.75	NET

		Total			Used	Balance
TOTAL RRSP		$32,410.80			$6,450.00	$25,960.80	NUMBER OF MOTNHS:			12
							MONTHLY RRSP:			$537.50


Five	2012-2015
TAX RATE:					0.2255		CPP MONTHLY			RSSP MONTLY		$272.92
PENSION ADJUSTMENT AT 65							OAS MONTHLY			OTHER MONHLY
TAX EXEMPTED:					$8,012.00		OTTP MONTHLY:		$1,658.00	OTTP Yearly		$19,896.00
BUDGET					$1,840.24
CPP CONTRIBUTION					0.0495	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.
EI CONTRIBUTION					0.0187	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.

			Gross	Supply T.			PRE-TAX			ANNUAL	MONTHLY
			Income	Monthly			TOTAL	TAXABLE	TOTAL	NET	NET
TPP	CPP	OAS	Adjustments	Annualized	RRSP		INCOME	INCOME	TAX	INCOME	INCOME	SURPLUS

$19,896.00	$4,764.00	$0.00		$3,220.00	$3,275.00		$31,155.00	$23,143.00	$5,438.35	$25,716.65	$2,143.05	$302.82	NET

		Total			Used	Balance
TOTAL RRSP		$25,960.80			$13,100.00	$12,860.80	NUMBER OF MOTNHS:			48
							MONTHLY RRSP:			$272.916666666667


Six	Jan. 2016-Aug.2016
TAX RATE:					0.2255		CPP MONTHLY			RSSP MONTLY		$687.50
PENSION ADJUSTMENT AT 65							OAS MONTHLY			OTHER MONHLY
TAX EXEMPTED:					$8,012.00		OTTP MONTHLY:		$1,658.00	OTTP Yearly		$19,896.00
BUDGET					$1,690.24
CPP CONTRIBUTION					0.0495	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.
EI CONTRIBUTION					0.0187	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.

			Gross	Supply T.			PRE-TAX			ANNUAL	MONTHLY
			Income	Monthly			TOTAL	TAXABLE	TOTAL	NET	NET
TPP	CPP	OAS	Adjustments	Annualized	RRSP		INCOME	INCOME	TAX	INCOME	INCOME	SURPLUS

$19,896.00	$3,176.00	$0.00		$0.00	$5,500.00		$28,572.00	$20,560.00	$4,636.28	$23,935.72	$1,994.64	$304.41	NET

		Total			Used	Balance
TOTAL RRSP		$12,860.80			$5,500.00	$7,360.80	NUMBER OF MOTNHS:			8
							MONTHLY RRSP:			$687.5


Seven	Sep.2016 onwards
TAX RATE:					0.2255		CPP MONTHLY			RSSP MONTLY		$0.00
PENSION ADJUSTMENT AT 65					$3,581.28		OAS MONTHLY			OTHER MONHLY
TAX EXEMPTED:					$8,012.00		OTTP MONTHLY:		$1,658.00	OTTP Yearly		$19,896.00
BUDGET					$1,690.24
CPP CONTRIBUTION					0.0495	Only payable if income other than pension (TPP and CPP).					Look tor contribution tables.
EI CONTRIBUTION