Savings, budgets and cards
Budget Planner
List what comes in and what goes out, at whatever frequency you pay it, and see the surplus by week, fortnight, month and year.
- Cost
- Free
- Your figures
- Stay in your browser
- Method
- Set out below
Show totals
Enter each amount at the frequency you pay it. Every total is converted to the period chosen here.
Monthly budget
$1,422
Left over after all spending: $17,060 a year.
- Total income
- $6,500
- Total spending
- $5,078
- Share of income left over
- 21.9%
Estimate only, based on the figures entered and the assumptions listed below. It is not a quote, an offer of credit or personal advice.
Where the money goes
Spending in each part of the budget per month, largest first, with its share of all spending.
- Home$2,933 (58%)
- Living$1,083 (21%)
- Transport$437 (9%)
- Utilities$365 (7%)
- Lifestyle$260 (5%)
- Debts$0 (0%)
How this calculator works
Enter each amount at the frequency you actually pay it, such as rates each quarter or groceries each week, and the planner converts everything to the same basis.
Lenders ask for the same breakdown of living expenses when they assess a loan, so a budget is useful preparation for an application.
Assumptions
- Weekly amounts are multiplied by 52, fortnightly by 26, monthly by 12 and quarterly by 4 to give a yearly figure.
- Totals per week, fortnight or month are the yearly figure divided by 52, 26 or 12.
- Enter income after tax so the surplus is money you can actually use.
Want the number a lender would actually give you?
Send through your figures and we will run them against our panel of 45 lenders for a real answer.
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