1
Income
2
Expenses
3
Goal
4
Summary
What comes in? 💸
Enter gross income — we'll calculate take-home pay after tax, Medicare, and HECS.
Person 1
$0$2m
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
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🎭  Lifestyle
▼
📱  Tech
▼
🎁  Others
▼
🏠  Home
▼
🏢  Investment Property
▼
📚  Education & Kids
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❤️  Health & Insurance
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🚗  Transport
▼
⚙️  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
Your Summary 📋
Your complete financial picture at a glance.
Surplus
Net Income
Expenses
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, and is general information only that does not take into account your objectives, financial situation or needs. Consult a qualified financial adviser, accountant or registered tax agent before making financial decisions.