// Budget calculation data model const budgetData = { provinces: { ontario: { name: “Ontario (Toronto/Ottawa)”, tuition: { master: 32000, bachelor: 38000, college: 18000, phd: 8000 }, housing: { shared: 18000, apartment: 28000, townhouse: 34000, suburban: 42000 }, living: 22000, child: { preschool: 12000, elementary: 4000, highschool: 6000, none: 0 }, spouseIncomeMultiplier: 1.2, studentIncome: 12000, childBenefits: 7000, otherIncome: 2000 }, bc: { name: “British Columbia (Vancouver/Victoria)”, tuition: { master: 28000, bachelor: 35000, college: 16000, phd: 7000 }, housing: { shared: 20000, apartment: 30000, townhouse: 36000, suburban: 44000 }, living: 24000, child: { preschool: 11000, elementary: 3500, highschool: 5500, none: 0 }, spouseIncomeMultiplier: 1.15, studentIncome: 11000, childBenefits: 6500, otherIncome: 1800 }, quebec: { name: “Quebec (Montreal/Quebec City)”, tuition: { master: 18000, bachelor: 22000, college: 12000, phd: 5000 }, housing: { shared: 12000, apartment: 18000, townhouse: 22000, suburban: 28000 }, living: 16000, child: { preschool: 8000, elementary: 2000, highschool: 3500, none: 0 }, spouseIncomeMultiplier: 1.0, studentIncome: 10000, childBenefits: 7500, otherIncome: 1500 }, atlantic: { name: “Atlantic Provinces (Halifax/St. John’s)”, tuition: { master: 16000, bachelor: 20000, college: 11000, phd: 4000 }, housing: { shared: 10000, apartment: 15000, townhouse: 19000, suburban: 24000 }, living: 14000, child: { preschool: 7000, elementary: 1800, highschool: 3000, none: 0 }, spouseIncomeMultiplier: 0.9, studentIncome: 9000, childBenefits: 6800, otherIncome: 1200 } } };// Update slider display value function updateSliderValue(slider) { const valueDisplay = document.getElementById(slider.id + ‘Value’); valueDisplay.textContent = ‘$’ + slider.value + ‘/hour’; updateCalculation(); }// Main calculation function function updateCalculation() { // Get user input const province = document.getElementById(‘provinceSelect’).value; const studyType = document.getElementById(‘studyType’).value; const childAge = document.getElementById(‘childAge’).value; const spouseHourly = parseFloat(document.getElementById(‘spouseIncome’).value); const housingType = document.getElementById(‘housingType’).value; const studyDuration = parseInt(document.getElementById(‘studyDuration’).value); // Get province data const provinceData = budgetData.provinces[province]; // Calculate expenses const tuitionCost = provinceData.tuition[studyType]; const housingCost = provinceData.housing[housingType]; const livingCost = provinceData.living; const childCost = provinceData.child[childAge]; // Calculate income const spouseAnnualHours = 30 * 48; // 30 hours/week × 48 weeks/year const spouseEarnings = spouseHourly * spouseAnnualHours * provinceData.spouseIncomeMultiplier; const studentEarnings = provinceData.studentIncome; const childBenefits = childAge !== ‘none’ ? provinceData.childBenefits : 0; const otherIncome = provinceData.otherIncome; // Calculate annual totals const totalExpenses = tuitionCost + housingCost + livingCost + childCost; const totalIncome = spouseEarnings + studentEarnings + childBenefits + otherIncome; const balance = totalIncome – totalExpenses; // Update display document.getElementById(‘tuitionCost’).textContent = ‘$’ + tuitionCost.toLocaleString(); document.getElementById(‘housingCost’).textContent = ‘$’ + housingCost.toLocaleString(); document.getElementById(‘livingCost’).textContent = ‘$’ + livingCost.toLocaleString(); document.getElementById(‘childCost’).textContent = ‘$’ + childCost.toLocaleString(); document.getElementById(‘spouseEarnings’).textContent = ‘$’ + Math.round(spouseEarnings).toLocaleString(); document.getElementById(‘studentEarnings’).textContent = ‘$’ + studentEarnings.toLocaleString(); document.getElementById(‘childBenefits’).textContent = ‘$’ + childBenefits.toLocaleString(); document.getElementById(‘otherIncome’).textContent = ‘$’ + otherIncome.toLocaleString(); document.getElementById(‘totalCost’).textContent = ‘$’ + totalExpenses.toLocaleString(); // Update financial balance display const balanceSection = document.getElementById(‘balanceSection’); const balanceAmount = document.getElementById(‘balanceAmount’); const balanceMessage = document.getElementById(‘balanceMessage’); balanceAmount.textContent = (balance >= 0 ? ‘+$’ : ‘-$’) + Math.abs(Math.round(balance)).toLocaleString(); if (balance >= 0) { balanceSection.className = ‘balance-section positive-balance’; balanceMessage.textContent = ‘Income can cover expenses, good financial situation’; balanceAmount.style.color = ‘#2E8540’; } else { balanceSection.className = ‘balance-section negative-balance’; balanceMessage.textContent = ‘Additional funding or further expense reduction needed’; balanceAmount.style.color = ‘#e74c3c’; } // Adjust display if study duration not 1 year if (studyDuration !== 1) { const durationNote = ` (${studyDuration}-year program, this is annual average)`; document.querySelector(‘.cost-period’).textContent = ‘Annual Total Expenses (2026 estimate)’ + durationNote; } }// Generate budget report function generateBudgetReport() { const provinceSelect = document.getElementById(‘provinceSelect’); const studyType = document.getElementById(‘studyType’); const childAge = document.getElementById(‘childAge’); const provinceName = provinceSelect.options[provinceSelect.selectedIndex].text; const studyTypeName = studyType.options[studyType.selectedIndex].text; const childAgeName = childAge.options[childAge.selectedIndex].text; const report = ` Canada Study-Immigration Family Budget Report Generated: ${new Date().toLocaleDateString()} ========================================📋 Family Basic Information —————————————- Province: ${provinceName} Study Type: ${studyTypeName} Child Situation: ${childAgeName} Study Duration: ${document.getElementById(‘studyDuration’).value} years Housing Type: ${document.getElementById(‘housingType’).options[document.getElementById(‘housingType’).selectedIndex].text} Spouse Hourly Wage: ${document.getElementById(‘spouseIncome’).value}/hour💰 Annual Expense Summary (2026 Estimate) —————————————- Tuition & Education: ${document.getElementById(‘tuitionCost’).textContent} Housing & Utilities: ${document.getElementById(‘housingCost’).textContent} Family Living Expenses: ${document.getElementById(‘livingCost’).textContent} Child-related Expenses: ${document.getElementById(‘childCost’).textContent} —————————————- 📊 Annual Total Expenses: ${document.getElementById(‘totalCost’).textContent}💵 Annual Income Summary —————————————- Spouse Work Income: ${document.getElementById(‘spouseEarnings’).textContent} Possible Student Income: ${document.getElementById(‘studentEarnings’).textContent} Child Benefit (CCB): ${document.getElementById(‘childBenefits’).textContent} Other Possible Income: ${document.getElementById(‘otherIncome’).textContent} —————————————- 📈 Annual Total Income: $${(parseInt(document.getElementById(‘spouseEarnings’).textContent.replace(/[^0-9]/g, ”)) + parseInt(document.getElementById(‘studentEarnings’).textContent.replace(/[^0-9]/g, ”)) + parseInt(document.getElementById(‘childBenefits’).textContent.replace(/[^0-9]/g, ”)) + parseInt(document.getElementById(‘otherIncome’).textContent.replace(/[^0-9]/g, ”))).toLocaleString()}⚖️ Annual Financial Balance —————————————- ${document.getElementById(‘balanceAmount’).textContent} ${document.getElementById(‘balanceMessage’).textContent}💡 Key Recommendations —————————————- 1. Initial Fund Preparation: Recommend minimum $${Math.max(25000, parseInt(document.getElementById(‘totalCost’).textContent.replace(/[^0-9]/g, ”)) * 0.3).toLocaleString()} as initial settlement funds 2. Emergency Reserve Fund: Target 3-6 months living expenses emergency fund (approx. $${Math.round(parseInt(document.getElementById(‘totalCost’).textContent.replace(/[^0-9]/g, ”)) / 12 * 4).toLocaleString()}-${Math.round(parseInt(document.getElementById(‘totalCost’).textContent.replace(/[^0-9]/g, ”)) / 12 * 6).toLocaleString()}) 3. Funding Gap Strategy: ${document.getElementById(‘balanceAmount’).textContent.startsWith(‘-‘) ? ‘Consider increasing income sources or further optimizing expenses’ : ‘Good financial situation, consider savings or investments’}⚠️ Important Reminders —————————————- • Calculations based on 2026 estimated data, actual expenses may vary due to inflation and personal spending habits • Excludes one-time initial costs (airfare, visas, settlement costs approx. $5,000-15,000) • Spouse income based on 30 hours/week, 48 weeks/year, actual income may vary • Child benefit based on estimates, actual amount depends on family net income📅 Next Step Recommendations —————————————- 1. Use IRCC official tools to review fund proof requirements 2. Begin preparing necessary financial documents and proofs 3. Research specific benefit policies and saving opportunities in target province 4. Consider exchange rate risk, develop foreign exchange management strategy `; // Create download link const blob = new Blob([report], { type: ‘text/plain’ }); const url = URL.createObjectURL(blob); const a = document.createElement(‘a’); a.href = url; a.download = `Canada_Study_Immigration_Family_Budget_Report_${new Date().toISOString().slice(0,10)}.txt`; document.body.appendChild(a); a.click(); document.body.removeChild(a); URL.revokeObjectURL(url); alert(‘Budget report generated and downloaded! Please check the text file in your downloads folder.’); }// Scroll to calculator function scrollToCalculator() { document.getElementById(‘calculator’).scrollIntoView({ behavior: ‘smooth’ }); }// Initialize calculation document.addEventListener(‘DOMContentLoaded’, function() { updateCalculation(); // Add real-time updates to input fields const inputs = document.querySelectorAll(‘select, input[type=”range”]’); inputs.forEach(input => { input.addEventListener(‘input’, updateCalculation); input.addEventListener(‘change’, updateCalculation); }); // Timeline animation const timelineItems = document.querySelectorAll(‘.timeline-item’); const observer = new IntersectionObserver((entries) => { entries.forEach(entry => { if (entry.isIntersecting) { entry.target.style.opacity = ‘1’; entry.target.style.transform = ‘translateY(0)’; } }); }, { threshold: 0.1 }); timelineItems.forEach(item => { item.style.opacity = ‘0’; item.style.transform = ‘translateY(30px)’; item.style.transition = ‘opacity 0.5s ease, transform 0.5s ease’; observer.observe(item); }); });// Quick province selection function quickProvinceSelect(province) { document.getElementById(‘provinceSelect’).value = province; updateCalculation(); document.getElementById(‘calculator’).scrollIntoView({ behavior: ‘smooth’ }); }// Share function function shareBudget() { if (navigator.share) { navigator.share({ title: ‘My Canada Study-Immigration Family Budget’, text: `My 2026 Canada study-immigration family budget calculation: ${document.getElementById(‘totalCost’).textContent} annual total expenses`, url: window.location.href }); } else { alert(‘Budget summary copied to clipboard!nn’ + `Province: ${document.getElementById(‘provinceSelect’).options[document.getElementById(‘provinceSelect’).selectedIndex].text}n` + `Annual Total Expenses: ${document.getElementById(‘totalCost’).textContent}n` + `Financial Balance: ${document.getElementById(‘balanceAmount’).textContent}nn` + ‘You can share this information with family or advisors.’); } }{ “@context”: “https://schema.org”, “@type”: “BreadcrumbList”, “itemListElement”: [ { “@type”: “ListItem”, “position”: 1, “name”: “Home”, “item”: “https://www.irccguide.com/” }, { “@type”: “ListItem”, “position”: 2, “name”: “Immigration Guides”, “item”: “https://www.irccguide.com/guides/” }, { “@type”: “ListItem”, “position”: 3, “name”: “2026 Canada Study-Immigration Family Budget Model: One Student + One Work Permit + One Child Total Cost | Complete Expense Template”, “item”: “https://www.irccguide.com/2026-canada-study-immigration-family-budget-model-one-student-one-work-permit-one-child-total-cost-complete-expense-template/” } ] }

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