MoneyStant roadmap: budgeting, debt and small-business tools

The current MoneyStant focus is **tax and net pay** — but the architecture is intentionally designed for more.

1. Budget planner

A simple, Canada-friendly budget tool that understands:

• Net pay from the Net Paycheque Calculator
• Fixed vs variable expenses
• Savings-rate targets

2. Debt snowball / avalanche

Build a visual way to:

• Enter multiple debts (credit cards, lines of credit, loans)
• Choose snowball or avalanche strategy
• See payoff timelines and interest saved

3. Small-business / contractor mode

For side hustles, locums and consultants:

• Track gross business income
• Estimate tax and CPP on self-employment income
• Plan for instalments and year-end surprises

Because MoneyStant already thinks in terms of **gross vs net** and **tax vs CPP/EI**, this evolution is natural.

For now, the priority remains making the tax and net pay flows feel **fast, trustworthy and frictionless** — the foundation everything else will stand on.