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Open the original Simple money manager on MoneySmart
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Simple money manager
Get a fast snapshot of how much money is coming in, how much is going out, and whether you are running a surplus or a shortfall. It is a quick way to sense-check your everyday cashflow before making a larger savings or borrowing decision.
Best for
- Checking whether your budget is comfortably positive
- Comparing income and spending on the same timeline
- Spotting the biggest outgoing categories quickly
Cashflow inputs
Enter the categories you use, choose each line frequency, and then view the result in one shared summary period.
Money in
Income sourcesMoney out
Living costs and savingsResults
The totals below are all normalized to monthly.
This monthly summary shows $4,767 coming in and $1,917 going out, leaving +$2,850.
You are spending less than you earn.
Income breakdown
- Pay after tax$3,900
- Centrelink payments$867
Outgoing breakdown
- Housing$217
- Loans and credit cards$180
- Insurance$75
- Phone and internet$30
- Food and other groceries$1,040
- Personal$80
- Medical$25
- Entertainment$55
- Travel$90
- Other$125
How these estimates work
- Each amount is converted into the summary period you selected, such as monthly or weekly.
- Only positive values count toward totals and the ready-for-review prompt.
- The "Other" outgoing category can include regular savings and miscellaneous spending.
Banking and budgeting
More tools beyond Simple money manager
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Map your income, bills, spending and savings in one place.
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See how your savings or investments could grow over time.
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Estimate how much to save each month to reach your goal.
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Estimate withdrawals, minimum payments and how long your pension balance may last.
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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.
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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.