Atlas calls Analysis the area that brings together your monthly budget, your wealth projections, and the Atlas Score — a snapshot of overall financial health. It's the screen that answers "am I on track?".
Enter my budget
On first open, Atlas walks you through a 3-step wizard (use Edit Budget in the top-right to come back later):
- Income — amount per paycheck, frequency (weekly, bi-weekly, monthly…). Atlas converts to monthly net income. You can add other monthly income (rental, side, etc.).
- Expenses — split into two blocks:
- Needs: rent/mortgage, utilities, transport, insurance, subscriptions.
- Wants: groceries, restaurants, outings, shopping, other.
- Savings — general savings, TFSA contributions, RRSP contributions.
The Atlas Score
A score out of 100 points, the sum of 4 pillars worth 25 points each:
- Safety — Emergency fund. 25 pts if ≥ 6 months of expenses covered (or 3 months if you don't have significant debt). Drops to 0 if you have less than one month of cushion.
- Solvency — Debt-to-wealth ratio. 25 pts if < 30% of your wealth, dropping toward 10 pts at 80%+. Extra penalty (5 to 25 pts) if you carry "bad debt" (credit cards, personal loans).
- Growth — Savings rate. 25 pts if ≥ 20% of net income, 18 pts at 10%, 10 pts at 5%, linear drop below. If no budget is set, Atlas looks at average wealth growth.
- Diversification — How many asset families you combine among Cash / Real estate / Markets. 25 pts for all three, 20 pts for two, 15 or 10 pts for one.
The total is then labelled: Expert (≥ 85), Advanced (≥ 70), Solid (≥ 50), In progress (≥ 30), Beginner (< 30).
Savings rate and emergency fund
Two KPIs sit next to the Atlas Score:
- Monthly savings: (savings + TFSA contributions + RRSP contributions) / net income. Target: 20%. Green ≥ 20%, blue 10–20%, amber < 10%.
- Emergency fund: liquid assets / monthly expenses. Target: 3 months (raised to 6 months if you carry a lot of debt). Green ≥ target, blue 1–3 months, amber < 1 month.
Scenarios & Recommendations
The Scenarios section is auto-generated from your profile, not a "what-if" editor. Atlas spots the most impactful levers for you and surfaces them as action plans:
- Rebuild the emergency fund — if you're below your target, Atlas quantifies the gap to close and suggests a monthly pace to get there.
- RRSP vs TFSA optimization — Atlas knows the 2025 Québec + Federal tax brackets. From your income, age and current contributions, it suggests the optimal priority (e.g. "You're above $90,000, your marginal rate is ~37% → RRSP is more attractive than TFSA").
Recommendations are rule-based, not machine learning — stable, predictable, traceable. But they depend on the quality of what you've filled in (income, dependents, employment status — see Set up my situation).
Retirement projections
If you've filled in your current age (via date of birth) and your target retirement age in the profile, Atlas plots your wealth curve up to retirement, starting from your current balance and your monthly savings. The projection uses a single annual return (set in your profile, default 6%) and compounds monthly.
At the end of the curve, Atlas estimates your monthly retirement income using the 4% rule (final wealth × 4% / 12).