A simple, private budget planner built for Australian life. Pop in your income and expenses — at whatever frequency suits you — and see instantly what's left over each week, fortnight, month or year. Nothing is saved or sent anywhere.
This planner is a general guide to help you organise your budget. It doesn't save your figures, and it isn't financial advice.
Small changes that add up — tuned for life in Australia.
Set the frequency of each item to how you actually think about it — rent monthly, groceries weekly, rego yearly. The planner does the maths.
Treat savings like a bill. Even $20 a week into a separate account builds a buffer for when the unexpected hits.
Pull up a month of bank statements while you fill this in — most people underestimate the small, regular 'invisible' spends.
Afterpay and Zip feel free but they're debt. Add them up here — the total often surprises people.
Energy, insurance and phone plans creep up. A 15-minute call to switch or haggle can save hundreds. Compare energy plans free at Energy Made Easy (energymadeeasy.gov.au).
You may be eligible for government rebates and concessions (energy, rates, transport) — especially with a Health Care or Pensioner Concession Card. It's worth checking.
Ask providers to line up direct debits with your pay cycle so bills don't land in a bad week.
A shortfall isn't a failure — it's information. The sooner you deal with it, the more options you have.
