Where does my money go — and what's left over?
Add what you spend, category by category, and we'll show where it goes and what's left at the end of the month. Every figure is editable, nothing is shared, and it's general information only — not financial advice.
Your picture will appear here as you go — start with the big ones like rent and food, and your spending (and what's left over) will build up as you fill things in.
What this includes
- The income and everyday spending you entered
- Your essential vs discretionary split and surplus
What it doesn't include
- Tax, deductions or capital gains
- Any lending, serviceability or borrowing-capacity assessment
Adjust your details
Your income (optional)
Add your take-home income to see what's left over. Skip it if you'd rather just map your spending — totally up to you.
Where your money goes
Enter one figure per area — the list under each shows what to include. Want to itemise a single area? Use Break this down. For every line at once, switch to Detailed above.
Could you cut this if you needed to?
- Essential— A must-pay — rent, food, power, transport to work.
- Could cut— A nice-to-have you could trim back if you needed to.
- Priority— Not essential, but something you choose to protect — like the gym or family outings.
Basic expensesThe everyday living expenses most households have — the ones we use in your application.$0per month
Primary residence
Where you live — whether you rent, pay board, or own and run the home. Add your rent or board here, plus the running costs that keep the place going.
Include: Rent or board · Electricity & gas · Water & sewerage · Council rates · Home & contents insurance · Repairs & upkeep
Did you also think of…?
- Rent or board
- Electricity and gas
- Water and sewerage
- Council rates (if you own)
- Home contents insurance
- Repairs and upkeep
Phone, internet & media
Staying connected and entertained — your phone, home internet, and any streaming or subscriptions.
Include: Mobile phone · Home internet · Streaming services · Apps & subscriptions
Did you also think of…?
- Mobile phone plans
- Home internet / NBN
- Streaming (TV, music)
- App and software subscriptions
Food & groceries
Everything you eat and drink — the weekly shop, plus the coffees, takeaways and meals out.
Include: Supermarket shop · Butcher / market / specialty · Takeaway & eating out · Coffee & snacks out · Alcohol
Did you also think of…?
- The supermarket shop
- Butcher, baker, fruit & veg, market
- Takeaway and eating out
- Coffees and snacks on the go
- Alcohol
Recreation & holidays
The fun stuff — hobbies, going out, memberships and the trips you look forward to.
Include: Gym & sport memberships · Entertainment & going out · Hobbies & sports · Holidays & travel · Pets
Did you also think of…?
- Gym or sport memberships
- Movies, events, dining out
- Hobbies and sports gear
- Holidays and travel
- Pets (food, vet, insurance)
Clothing & personal care
Looking after yourself — clothes and shoes, haircuts, and the everyday personal-care basics.
Include: Clothing & shoes · Haircuts & grooming · Toiletries & cosmetics
Did you also think of…?
- Clothing and shoes
- Haircuts and grooming
- Toiletries and cosmetics
- Dry cleaning and laundry
Medical & health
Keeping healthy — the doctor, dentist, prescriptions and other out-of-pocket health costs. (Private health insurance has its own line further down.)
Include: Doctor & specialists · Dentist & optical · Prescriptions & pharmacy · Physio & allied health
Did you also think of…?
- Doctor and specialist visits
- Dentist and optical
- Prescriptions and pharmacy
- Physio, psychology, allied health
Transport
Getting around — running a car, public transport, and the costs that come with both.
Include: Fuel / charging · Public transport · Registration & CTP · Servicing, tyres & repairs · Parking & tolls
Did you also think of…?
- Fuel or charging
- Public transport fares
- Registration and compulsory third party
- Servicing, tyres and repairs
- Parking and tolls
School education (public)
Public (government) school costs for the kids — the bits beyond the fees, like uniforms and excursions. (Private school fees have their own line further down.)
Include: Uniforms & supplies · Excursions & activities · Voluntary contributions
Did you also think of…?
- Uniforms
- Books and stationery
- Excursions and camps
- Voluntary contributions
Higher education & training
Study and skills for you or the family — university, TAFE, courses and the materials that go with them.
Include: Course & tuition fees · Study loan repayments · Textbooks & materials
Did you also think of…?
- Course or tuition fees
- Study loan repayments
- Textbooks and materials
- Professional development
Childcare
Looking after the little ones while you work or study — childcare, before/after-school care and the holidays.
Include: Day care · Before / after-school care · Holiday programs & babysitting
Did you also think of…?
- Long day care or family day care
- Before- and after-school care
- Holiday programs
- Babysitting and nannies
General insurance
Protecting your things — car, and any other general cover. (Home & contents sits under Home; health and life cover have their own lines below.)
Include: Car insurance · Other general insurance
Did you also think of…?
- Car insurance
- Pet insurance
- Travel insurance
- Other general cover
Other everyday spending
Anything else that doesn't fit neatly above — gifts, donations and the little bits and pieces.
Include: Gifts & celebrations · Donations · Bank & account fees · Other / miscellaneous
Did you also think of…?
- Gifts and celebrations
- Donations
- Bank fees
- Anything else that's part of everyday life
Additional expensesBigger or less-common commitments — add only what applies to you.$0per month
Strata & body corporate fees
Levies on a unit, townhouse or apartment you own — including any special levies that come up.
Include: Strata / body corporate levies · Special levies
Did you also think of…?
- Regular strata levies
- Special levies
- Building or sinking fund contributions
Private (non-government) school fees
Non-government school fees and the extras that come with them.
Include: Tuition fees · Building & capital levies · Uniforms, music & extras
Did you also think of…?
- Tuition fees
- Building or capital levies
- Uniforms and extras
- Music, tutoring and coaching
Child support / maintenance payments
Ongoing support or maintenance payments you make.
Include: Child support · Other maintenance
Did you also think of…?
- Child support payments
- Spousal maintenance
- Other family support
Private health insurance
Your private hospital and extras cover.
Include: Hospital cover · Extras cover
Did you also think of…?
- Hospital cover
- Extras (dental, optical, physio)
Life, accident & illness insurance
Cover that protects your income and your family if something happens to you. (Often paid inside super — add it here if you pay it directly.)
Include: Life & TPD cover · Income protection · Trauma / illness cover
Did you also think of…?
- Life cover
- Total & permanent disability cover
- Income protection
- Trauma / critical illness cover
Secondary residence costs
Costs of any property you own beyond your home — a holiday house, second place, or a rental you own. Utilities, rates, insurance, upkeep, land tax and any management fees. (Enter expenses only — we don't model rent or tax here.)
Include: Utilities & rates · Upkeep & repairs · Land tax · Rates on other property · Rental: council & water rates · Rental: landlord insurance · Rental: property management fees · Rental: repairs & maintenance · Rental: strata
Did you also think of…?
- Utilities, council & water rates
- Insurance (building / landlord)
- Upkeep and repairs
- Land tax and rates on other property
- Property management fees (if rented)
- Strata on the other property
Other (additional expenses)
Any other regular commitment that doesn't fit above.
Include: Other loan repayments · Regular savings & investing · Other commitments
Did you also think of…?
- Loan or credit repayments not listed elsewhere
- Regular savings or investing
- Anything else you commit to each period
This budget looks at your day-to-day cash flow only — it doesn't work out tax, deductions, or capital gains. For anything tax-related (especially on an investment property), please ask your accountant.
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Estimate only — general information, not financial, credit, or tax advice. Based on assumptions that may not reflect your actual outcomes; seek advice from a licensed professional.