Dewling Strategies · Pro Planning Tool

Budget & Forecast Planner Pro

Limited-time offerPro is free until November 30, 2026. Every feature included, no payment needed.

Build an operating budget for a non-profit housing provider, seniors lodge, or community organization, with one site or many, in one or more provinces or territories. Each site runs on its own province's rules: rent increase guidelines, cost inflation, employer payroll taxes, non-recoverable sales tax after the public service bodies' rebate, and taxes on insurance premiums. See the budget against last year, the year-end forecast from your actuals, monthly cash flow, a multi-year forecast, replacement reserves, and a province-by-province view of where the money is made and lost. Your numbers stay in your browser.

Welcome. Tell us who you are to get started.

The Pro planner is free until November 30, 2026. We ask for a few details the first time you use it on this device, so we know who the tool is helping.

Your budget numbers never leave your browser. The details above are sent to Dewling Strategies Inc. through Mailchimp, our email platform, to record who is using the planner and your acknowledgement. We will only send you emails if you tick the first box. Dewling Strategies Inc. · Spruce Grove, Alberta · greg@dewlingstrategies.ca · 780-907-4542

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All provinces

Provinces and territories

1. Organization & consolidated settings

The example is Cedarline Community Housing Society, a fictitious 1,340-unit non-profit with a sample site in every province and territory. Its figures are illustrative. Replace any number with your own.

Targets the board watches

Fiscal year and actuals to date

Building next year's budget? Leave months of actuals at 0. Reporting partway through the year? Enter the number of months closed, then fill in the Actual to date column for each line in section 3. The planner forecasts the year-end result and compares it with the budget.

2. Provincial assumptions

Choose one or more provinces or territories in the menu at the top, or select Edit beside one, to see and change its assumptions. Rent guidelines are the published caps for the 2027 calendar year where announced (2026 otherwise). Leave the guideline blank where there is no cap, and rent lines grow with provincial CPI. Payroll tax bands and sales tax rebates are simplified and change often: confirm them for your organization and fiscal year. Inflation and growth rates are planning assumptions, not forecasts.

3. Sites

Add each building, portfolio, or regional operation as a site and choose its province. A single-site organization needs only one. Enter last year's actual and this year's budget for each line before sales tax: the planner adds the non-recoverable tax for you. Enter salaries as gross wages: employer statutory costs and provincial payroll tax are added on top. Each line grows by a provincial driver or a custom rate. Timing spreads the budget across the months of the fiscal year for the cash flow.

4. Capital projects

Projects are paid from the site's replacement reserve in the year shown.

SiteProjectYearCost ($)

5. Consolidated results

What the numbers are saying

    Want a second opinion before this goes to your board or finance committee? Request an expert review of this budget

    6. Financial health checks

    On track meets the target, Watch is close to a limit, and Action needs a plan. Lender and funding agreements set the limits that actually apply, often site by site.

    Budget year

    Over the forecast

    Statement of operations

    This year's budget against last year's actual results, with the provincial cost layer and mortgage interest calculated on both.

    Where the money comes from

    Where the money goes

    Year-end forecast vs. budget

    Monthly cash flow

    Budgeted operating cash through the year, after the provincial cost layer, mortgage payments, and reserve contributions. Changes in receivables, payables, and other working capital are not modelled.

    Net cash flowNet outflowMonth-end operating cashDays cash floor

    7. Province by province

    Cost per unit per month

    Operating costsProvincial cost layerInterest and amortizationRevenue per unit

    The provincial cost layer

    Costs that exist only because of where a site is: employer statutory costs (CPP or QPP, EI, workers' compensation), provincial payroll tax, sales tax the organization cannot recover, and provincial tax on insurance premiums. These are budget-year figures.

    Sites

    Consolidated multi-year forecast

    SurplusDeficitYear-end operating cash

    Surplus by province over the forecast

    Replacement reserves

    Sensitivity

    Final-year consolidated result if revenue or expenses grow faster or slower than planned, in percentage points a year across every line. Green meets the margin target, amber is a surplus below target, red is a deficit.

    If inflation runs one point higher in one province

    Change in the final-year consolidated result if CPI-driven lines in a single province grow one point faster than assumed, everything else unchanged.

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    Save, share, and export

    Your work saves automatically in this browser. Present the results as a board briefing, download the same slides as a PDF for your board package, or save a planner file to keep a copy or move it to another computer.

    Taking a budget or forecast to your board?

    Dewling Strategies helps housing providers, lodges, and community organizations build budgets, multi-year financial plans, and board reports that hold up to scrutiny, in one province or across several. Email greg@dewlingstrategies.ca or call 780-907-4542.

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    This tool gives a high-level consolidated operating budget and forecast for discussion only. It is not accounting, audit, tax, legal, investment, or lending advice. Provincial defaults are simplified planning assumptions: payroll taxes are estimated on each province's combined wages with simplified bands, employer statutory costs are a single blended rate, non-recoverable sales tax assumes the public service bodies' rebate rates for charities and qualifying non-profits where selected, and rent guidelines apply only to units they cover. Confirm every rate with your auditor, payroll provider, or the provincial authority. Amortization is non-cash; mortgage interest is estimated on each year's opening balance and assumed on budget in the year-end forecast; the provincial cost layer on prior-year and year-to-date figures is estimated with this year's rates; working capital, deferred contributions, and intercompany charges are not modelled.

    The Cedarline Community Housing Society example is a fictitious teaching case; its figures do not represent any real organization. Your budget data is stored only in your own browser and is never sent to Dewling Strategies. Registration details you enter on first use are sent to Dewling Strategies through Mailchimp.

    The Budget & Forecast Planner Pro is the property of Dewling Strategies Inc. and is provided free of charge until November 30, 2026, with its permission. Materials that use or are based on the planner or its results must credit Dewling Strategies Inc.

    © Dewling Strategies Inc. · Clarity. Strategy. Execution. · dewlingstrategies.ca