Student Budget Planner

Managing money as a student is tough — especially when your income comes from loans, grants, scholarships, and part-time work on different schedules. This planner is built specifically for Canadian students, with categories that match how student finances actually work.

What's Included

• Monthly budget spreadsheet with income categories for OSAP/student loans, grants, scholarships, part-time work, and family support
• Expense categories tailored to students: tuition, textbooks, rent, groceries, transit, phone, and discretionary spending
• Yearly overview tab showing semester-by-semester cash flow
• Savings goal tracker for emergency fund and summer expenses
• Automatic calculations showing surplus/deficit each month
• Canadian-specific tips: GST/HST credit, tuition tax credits, and scholarship tax treatment

How to Use It

Enter your expected income sources at the start of each semester. Track your actual spending weekly or monthly. Use the yearly overview to plan for lean months (like summer) when student aid payments stop.