All calculators
Cash flow
Budget Planner
Understand your cash flow before you invest. Enter income and expenses with any frequency and see your surplus in real time.
Budget planner
Enter what you earn and spend at whatever frequency suits — the planner converts everything to your chosen view and shows if your budget is in surplus or deficit.
Income (monthly)
$0
Expenses (monthly)
$0
Surplus (monthly)
$0
Congratulations! Your budget is in surplus by $0 per year. Consider putting the extra towards debt, savings or investments.
Add some expenses to see a category breakdown.
Item
Amount ($)
Frequency
Item
Amount ($)
Frequency
How to use this planner
- Set the correct frequency (weekly, fortnightly, monthly, quarterly or annually) for each line — your surplus will be misleading if a frequency is wrong.
- Check your payslip for pre-tax deductions such as super, health insurance or a novated car. Add those back into income and list them as expenses so nothing is missed.
- Entries are saved locally in your browser only — clearing your cache or switching devices will remove the data.
What the planner does not do
- It gives a snapshot of your cash flow rather than tracking budget vs actuals over time — revisit and update it regularly.
- It does not calculate tax, government payments or salary packaging benefits — enter net figures where relevant.
- It is a general guide only and is not intended to be your sole source of information when making financial decisions.
Assumptions and disclaimers adapted from ASIC MoneySmart.
Adapted from the ASIC MoneySmart budget planner. Results are estimates only and do not constitute personal financial advice.