Budget Planner Australia

Add your take-home pay and spending, each at its own frequency, to see what's left over and where your money goes.

Take-home pay ($)After tax, for your household. Add any other regular income. Work out take-home pay.

Paid every

Show amounts per

Your spending: amount and how often
Spending amount ($)	Per
Housing Rent or mortgage, rates, strata

Groceries Food and household supplies

Transport Fuel, rego, public transport, tolls

Utilities Electricity, gas, water

Insurance Car, home, contents, life

Phone and internet

Health Private health, doctors, chemist

Kids Childcare, school fees, activities

Debt repayments Car loan, credit card, personal loan, buy now pay later

Entertainment Eating out, streaming, hobbies, holidays

Savings Money you set aside or invest

Other Clothes, gifts, pets, anything else

Left over each month

–

Income–

Spending and savings–

Share of income spent or saved

Needs (50/30/20 guide: 50%)–

Wants (guide: 30%)–

Savings (guide: 20%)–

The 50/30/20 split is a popular rule of thumb, not an official standard: half your take-home pay on needs, 30% on wants and 20% on savings and extra debt repayments. Debt repayments count as needs here. Your inputs stay in your browser; "Copy link" puts them in the link only when you choose to share it. For a more detailed budget, try the Moneysmart budget planner.

Where your money goes

Category	Per month	Share of income

Your spending against the 50/30/20 rule of thumb

Budget Planner: how it works

Checked 15 Oct 2026. Uses the same approach as Moneysmart's budget planner, so you can cross-check a result there.

Enter your take-home pay and each cost at whatever frequency you pay it: weekly, fortnightly, monthly, quarterly or yearly. Everything is converted to a yearly figure (52 weeks or 26 fortnights a year, as Moneysmart's budget planner does) and then shown per week, fortnight, month or year. So $100 a week is $433.33 a month, and $2,000 a month is $461.54 a week.

The main result is what's left over (or your shortfall) after spending and savings. The table lists each category from largest to smallest with its share of your income. With the example figures ($1,800 a week take-home pay), $5,893.33 of the $7,800.00 a month is spent or saved, leaving $1,906.67.

The 50/30/20 rule is a popular rule of thumb, not an official standard: about half of take-home pay on needs, 30% on wants and 20% on savings and extra debt repayments. In the example, needs take 60.3%, wants 8.9% and savings 6.4%. Your figures stay in your browser and only go into a link if you choose Copy link.

General information only, not financial, tax or credit advice. Check your situation with the ATO, your state revenue office or a licensed adviser.

Budget Planner FAQs

How do I convert weekly to monthly?

Multiply by 52 and divide by 12, so $100 a week is $433.33 a month. Multiplying by 4 understates it, because most months are a little over 4 weeks.

What is the 50/30/20 rule?

A rule of thumb, not an official guideline: about 50% of take-home pay on needs, 30% on wants and 20% on savings and extra debt repayments. In the example budget, needs take 60.3%, which is common where housing is expensive.

Should savings count as spending?

Here, yes. Treat savings as a bill you pay yourself. In the example, $500 a month in savings is 6.4% of income, and putting the $1,906.67 left over into savings would bring it to 30.9%.

Where are my numbers saved?

Only in your browser while the page is open. Copy link puts them after the # in the address, which isn't sent to our server, so you can bookmark or share them.

What if I have a shortfall?

Start with the biggest lines in the table. If bills are hard to pay, free financial counselling is available; Moneysmart lists how to get it.