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Budget planner
Build a fuller picture of your household budget by mapping income, bills, everyday costs and savings in one place. Use it when you want more detail than a simple income-versus-expenses snapshot.
Best for
- Looking across all major spending categories at once
- Checking whether savings goals fit inside your budget
- Seeing which categories take the largest share of your money
Budget inputs
Enter the amounts you actually use, then view the whole budget in a single summary period.
Income
Money coming in+$4,500
Normalized
$3,000
Normalized
$1,500
Normalized
$0
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$0
Normalized
$0
Normalized
$0
Normalized
$0
Normalized
$0
Home & utilities
Money going out+$547
Normalized
$217
Normalized
$0
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$0
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$0
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$0
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$120
Normalized
$45
Normalized
$30
Normalized
$80
Normalized
$0
Normalized
$0
Normalized
$55
Normalized
$0
Insurance & financial
Money going out+$500
Normalized
$0
Normalized
$0
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$0
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$0
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$0
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$0
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$0
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$0
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$500
Normalized
$0
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$0
Normalized
$0
Groceries
Money going out+$1,083
Normalized
$1,083
Normalized
$0
Normalized
$0
Normalized
$0
Normalized
$0
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$0
Normalized
$0
Personal & medical
Money going out+$90
Normalized
$0
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$0
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$0
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$0
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$0
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$0
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$0
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$90
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$0
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$0
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$0
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$0
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$0
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$0
Entertainment & eat-out
Money going out+$100
Normalized
$0
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$0
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$0
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$0
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$0
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$0
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$0
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$0
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$0
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$0
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$100
Normalized
$0
Normalized
$0
Transport & auto
Money going out+$75
Normalized
$0
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$75
Normalized
$0
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$0
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$0
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$0
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$0
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$0
Children
Money going out+$0
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$0
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$0
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$0
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$0
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$0
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$0
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$0
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$0
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$0
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$0
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$0
Results
Everything below is normalized to monthly budget.
This monthly budget view shows $4,500 of income and $2,395 of expenses, leaving +$2,105.
Congratulations. Your budget is in surplus.
Expense mix
Share of total expenses- Groceries45.2 %$1,083
- Home & utilities22.8 %$547
- Insurance & financial20.9 %$500
- Entertainment & eat-out4.2 %$100
- Personal & medical3.8 %$90
- Transport & auto3.1 %$75
What stands out
- Large housing and transport costs can make the rest of the budget feel tighter than expected.
- If savings or debt repayments are low, you may have less room to absorb rate rises or surprise costs.
- The largest spending category is usually the best place to start if you need to free up cashflow.
How these estimates work
- Each line is converted into the summary period you selected, such as weekly or monthly.
- Income adds to the budget total, while every spending category reduces it.
- Only positive values count toward totals and the ready-for-review prompt.
- You will get the clearest picture once you have added at least one income line and several expense lines.
Banking and budgeting
More tools beyond Budget planner
Compound interest calculator
See how your savings or investments could grow over time.
Savings goals calculator
Estimate how much to save each month to reach your goal.
Simple money manager
Check whether your money coming in covers your money going out.
Account-based pension calculator
Estimate withdrawals, minimum payments and how long your pension balance may last.
Credit card calculator
Estimate how long it will take to pay off your card and how much interest you could pay.
Employer contributions calculator
Estimate how much super your employer should be contributing.
GST calculator
Add or remove GST and see the before- and after-tax amount.
Income tax calculator
Estimate your tax, Medicare levy and take-home pay.
Interest-free deal calculator
Check the true cost of an interest-free offer once fees are included.
Interest-only mortgage calculator
See your repayments during the interest-only period and what they may become later.