Budget Planner

What comes in? 💸

Enter gross income — we'll calculate take-home pay after tax, Medicare, and HECS.

Person 1

Gross Amount

Frequency

Has HECS/HELP debt

Gross (annual)

Income tax

Medicare levy

Take-home (monthly)

Total Monthly Net Income

per year

What goes out? 📊

Enter average monthly expenses. Tap a category to open it.

🍽 Food & Drink

▼

Groceries

Coffees & Takeaway

Cigarettes & Alcohol

🎭 Lifestyle

▼

Entertainment

Holidays

Clothing & Accessories

Hairdressing & Grooming

📱 Tech

▼

Phone & Internet

Streaming & Subscriptions

🎁 Others

▼

Gifts & Celebrations

Pets

🏠 Home

▼

Loan Repayments

Rent

Body Corporate

Water

Home Repairs

Council Rates

Electricity

Gas

🏢 Investment Property

▼

Loan Repayments

Body Corporate

Repairs & Maintenance

Council Rates

Rental Management

📚 Education & Kids

▼

Public Schooling

Private Schooling

Professional Education

Childcare

❤️ Health & Insurance

▼

Gym

Private Health Insurance

Doctor / Dentist / Pharmacy

Life / Income Insurance

🚗 Transport

▼

Fuel

Public Transport / Uber

Car Insurance

Registration

Car Service

⚙️ Custom Expenses

▼

Monthly Expenses

Monthly Surplus

Set your goal 🎯

What are you working towards? We'll show how long it'll take based on your surplus.

Savings Goal

What are you saving for? (optional)

Current Savings

Goal Amount

Your Summary 📋

Your complete financial picture at a glance.

Net Income

Expenses

Surplus

Income breakdown

Disclaimer: This tool provides general estimates for budgeting and cashflow illustration only. Income tax, Medicare levy, and HECS/HELP repayment calculations are approximations based on 2025–26 rates and may differ from your actual obligations. This is not financial, tax, legal or investment advice. Consult a qualified financial adviser, accountant or registered tax agent before making financial decisions.