Budget & Savings Calculator

Understand your cashflow and savings position

Compare income, expenses and debt repayments, then estimate how long it may take to reach a savings goal.

Useful for home deposit planning Estimate savings ability and see how spending changes may affect your deposit timeline.

Helpful beyond home loans Use it for general budgeting, savings goals and improving financial awareness.

Review major outgoings Identify larger expenses and repayments that may be worth reviewing.

Enter your actual take-home income received after tax and payroll deductions. Do not separately include expenses or liabilities already deducted from your pay, such as HELP/HECS, salary sacrifice arrangements, novated leases, direct payroll deductions, mortgage repayments deducted from salary, or additional super contributions.

Output frequency

1. Income

Net Income (after tax) $0 / monthly

2. Living Expenses

Expand each category to enter detailed expenses.

3. Liabilities

Liabilities $0 / monthly

Only include repayments paid from take-home income. Do not include liabilities already deducted before your net income is received.

4. Results Summary

Figures update automatically as you enter amounts.

Total net income$0

Living expenses$0

Liability repayments$0

Available to save$0

Cashflow breakdown

Top 5 outgoings

Top 5 outgoings for reflection

Could any of these costs be reduced, refinanced, consolidated, reviewed, or are they unavoidable?

5. Savings Goal Estimate

Compare your current savings ability with an extra savings scenario.

Savings target Existing savings already held Extra savings above current ability Extra savings frequency Savings interest rate p.a.

Current savings ability$0

With extra savings$0

Current ability timeNot available

With extra savings timeNot available

Enter a savings target to compare scenarios.

Savings projection comparison

No information entered into this calculator is saved or submitted.

This calculator provides general budgeting information only and does not constitute credit advice, financial advice, or loan approval. Results are estimates only.

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Want help interpreting the results?

Book an appointment and we’ll help you understand your numbers and what they mean for your next steps.

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