Budget Planner Calculator

Enter your figures (weekly, fortnightly, monthly, quarterly or annually). We’ll convert everything to a monthly view and total your cash flow.

Conversions: weekly × 52/12, fortnightly × 26/12, quarterly ÷ 3, annually ÷ 12. Amounts are indicative only.

Section A – Income (after tax)

ItemAmountFrequencyMonthly

Section B – Living expenses

ItemAmountFrequencyMonthly

Section C – Loan expenses

ItemAmountFrequencyMonthly

Summary

Total income (monthly)$0
Living expenses (monthly)$0
Loan expenses (monthly)$0
Net result (monthly)$0
Net result (annually)$0
Savings rate0%

Important: This is a guide only. Use realistic figures based on your statements. Results are not an assessment of borrowing capacity.

Disclaimer: General information only. The calculator provides indicative monthly totals based on the inputs and conversion assumptions listed above. It does not consider all fees, charges or future changes. Please seek personal advice before making decisions.

Savings Goals Tracker

Visualise your targets and see real progress toward each goal.

Home Deposit
$21,000 / $30,000
SavedTarget
Europe Trip
$4,200 / $7,000
SavedTarget
Car Upgrade
$9,000 / $12,000
SavedTarget
Emergency Fund
$5,000 / $10,000
SavedTarget

Budget Planner

Convert all figures to monthly amounts and build a clear snapshot of cash flow.

Section A – Income after tax

  • Your after-tax income
  • Partner/spouse after-tax income
  • Pension / benefits
  • Family payments
  • Child support received
  • Board money received
  • Investment income (after tax)
  • Other income (after tax)

Section B – Expenses

  • Housing rent
  • 1st mortgage
  • 2nd mortgage
  • Land rates
  • Water rates
  • House & contents insurance
  • Repairs & maintenance
  • Strata levies
  • Home contents replacements
  • Personal Clothing, grooming
  • Leisure Entertainment, sport, club fees
  • News & subscriptions
  • Holidays, gifts, pocket money
  • Education School fees, uniforms, books
  • Pre-school / child minding
  • Alcohol, tobacco
  • Laundry / dry cleaning
  • Donations, postage, gardening
  • Utilities Electricity, gas, water, mobile, internet
  • Food Groceries, lunches, pet food, takeaways
  • Medical Health insurance, doctors, dentist, chemist
  • Transport Fuel, rego, insurance, fares, fines
  • Insurance Life / income protection
  • Professional fees, other
  • Savings Superannuation, special projects

Section C – Loan Expenses

  • Credit cards
  • Personal loans
  • Car loans / hire purchase
  • Store cards / accounts
  • Finance companies
  • Home loans
  • Other debts

Summary

  • After-tax income (from Section A)
  • Less living expenses (from Section B)
  • Less loan expenses (from Section C)
  • Net Result: $1,500 (example)

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