Budgeting & savings
Budget Planner
Build a personalised monthly budget using the 50/30/20 rule. Track needs, wants, and savings — and see your financial health score.
Your income
Enter your after-tax monthly income. If paid fortnightly, multiply by 26 and divide by 12.
Budget method
50% for needs, 30% for wants, 20% for savings — the classic balanced approach popularised by Elizabeth Warren.
Needs
(recommended: $2,500)
$0
Rent / mortgage
Groceries
Utilities & phone
Transport
Insurance
Minimum debt repayments
Wants
(recommended: $1,500)
$0
Dining out & takeaway
Entertainment
Shopping & clothing
Subscriptions
Hobbies & sport
Savings & investments
(recommended: $1,000)
$0
Emergency fund
Investments / shares
Extra super contributions
Holiday / goals fund
Financial Health Score
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Calculating...
Needs / Wants / Savings split
Recommended vs Actual
Annual projections
vs Average Australian
Source: ABS Household Expenditure Survey. Percentages shown as % of gross income.
💡 Personalised tips
Disclaimer: This tool is for educational purposes only. Recommendations are based on the 50/30/20 budgeting framework and general financial principles. Individual circumstances vary. Consider speaking with a financial adviser for personalised advice.