Budget Planner
Enter your income and expenses to see exactly where your money is going — and how much you have left over each month.
💵 Income
🏠 Housing
🚗 Transport
🛒 Food & Dining
💡 Utilities
👤 Personal
🎬 Entertainment
💰 Debt Repayments & Savings
Your Budget Summary
Enter your income and expenses on the left to see your budget summary here.
How to use the Budget Planner
Our free Australian budget planner helps you understand exactly where your money goes each month. Enter your after-tax income and all your regular expenses to see your monthly surplus or deficit, savings rate and a breakdown of spending by category.
The 50/30/20 rule
A popular budgeting framework is the 50/30/20 rule — allocate 50% of after-tax income to needs (housing, food, utilities, transport), 30% to wants (entertainment, dining out, holidays) and 20% to savings and debt repayment.
Tips to improve your budget
- Review all subscriptions — the average Australian pays for 3-5 they rarely use
- Refinancing your mortgage to a lower rate can save hundreds per month
- Salary sacrificing into super reduces your taxable income and builds retirement savings
- Paying more than the minimum on credit cards reduces interest significantly
- Comparing energy providers annually can save $200–$500 per year
This budget planner is for general guidance only. All figures are estimates. This does not constitute financial advice.