FREE FINANCIAL TOOL

Monthly Budget Calculator

See where your money is going, compare your spending with a flexible 50/30/20 guideline and choose one practical next step.

1. Your monthly income

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2. Your monthly expenses

Enter what you currently spend. Use estimates if you are unsure.

Needs

Essentials such as housing, food, transport, medical costs and minimum debt repayments.

Wants

Lifestyle spending such as dining out, entertainment, subscriptions and non-essential shopping.

Saving, investing and extra debt

Money directed towards your emergency fund, investments and repayments above the minimum.

This calculator provides general educational estimates and does not constitute personalised financial, tax or legal advice. The 50/30/20 framework is a flexible guideline and may not suit every household. Consider your circumstances and obtain personalised advice where appropriate.

YOUR BUDGET IS A PLAN FOR YOUR MONEY

Want to turn your numbers
into a financial plan?

Understanding where your money goes is the first step. From here, you can build a plan that balances everyday expenses, debt, saving, investing and the financial goals that matter to you.

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