Income
Record regular employment income and other recurring income sources.
Free Australian financial tool
Australian Household Budget Planner
Build a practical household budget by organising income, regular expenses, savings and financial goals in one place.
Income
Total Monthly Income
$0.00
$
Expenses
Total Monthly Expenses
$0.00
Housing
$
Utilities
$
Food & Groceries
$
Transport
$
Personal
$
Entertainment
$
Loans & Debts
$
Goals (Optional)
Your Budget Summary
Fill in your income and expenses, then click "Analyze" to see your financial snapshot.
How to create a household budget
A household budget starts by identifying your regular income and separating essential expenses from discretionary spending. To verify your net earnings accurately after tax, check your figures with our Australian pay calculator.
Include recurring costs such as housing, utilities, groceries, transport, insurance and subscriptions. Then consider savings, debt repayments, and building your nest egg using our savings calculator.
Reviewing actual spending against the budget can help identify areas where your expected and actual expenses differ.
Expenses
Separate essential household costs from discretionary spending so you can understand where money is going.
Savings goals
Include regular savings contributions and specific financial goals in your overall household plan.
Budget planner FAQ
What should I include in a household budget?
Include regular income, housing, utilities, groceries, transport, insurance, subscriptions, debt repayments, discretionary spending and savings goals.
How often should I review my budget?
A regular review can help keep the budget aligned with changes in income, expenses and financial goals.
Is a budget only useful when money is tight?
No. A budget can also help organise savings, planned spending and longer-term financial goals.