It’s difficult to set realistic savings goals without knowing how your money is already committed. Be it rent or mortgage payments, groceries, or the occasional night out or haircut, everyday decisions can have outsized savings impacts.

This budget calculator by the Financial Consumer Agency of Canada will let you dig deep into where your money goes. Before using it, make sure you have a paycheque and recent credit card or chequing account statements handy. If you have utility bills or investment slips on hand, those will help too. Once you’ve put all your information in, you’ll be able to download an interactive budget breakdown.