Budget Planner ✦ MoneySmart

💰 Total Income

per month

💸 Total Expenses

per month

⚖️ Balance

Enter your numbers to get started

💵

Income

$0 ▼

Your take-home pay

—

Partner's take-home pay

—

Bonuses / overtime

—

Savings & investment income

—

Centrelink / government benefits

—

Side hustle / freelance

—

Other income

—

Annual total: $0

🏠

Home & Utilities

$0 ▼

Rent / mortgage

—

Body corporate fees

—

Council rates

—

Furniture & appliances

—

Electricity

—

Gas

—

Water

—

Internet

—

Streaming (Netflix, Spotify…)

—

Mobile phone

—

Renovations & maintenance

—

Other

—

Annual total: $0

🛡️

Insurance & Financial

$0 ▼

Car insurance

—

Home & contents insurance

—

Health insurance

—

Life / income protection insurance

—

HECS / HELP repayments

—

Car loan repayments

—

Credit card interest

—

BNPL (Afterpay, Zip…)

—

Savings (transfers)

—

Super / investments

—

Other loans

—

Charity donations

—

Annual total: $0

🛒

Groceries

$0 ▼

Supermarket

—

Fruit & veg market

—

Butcher / deli / bakery

—

Pet food

—

Other

—

Annual total: $0

🧴

Personal & Medical

$0 ▼

Cosmetics & toiletries

—

Hair & beauty

—

Medicines & pharmacy

—

Dental & eye care

—

Doctors & medical

—

Clothing & shoes

—

Gym / sports

—

Computers & gadgets

—

Education / courses

—

Pet care & vet

—

Hobbies & other

—

Annual total: $0

🎉

Entertainment & Eating Out

$0 ▼

Coffee & tea

—

Lunches bought

—

Takeaway & UberEats

—

Drinks & alcohol

—

Bars, clubs & nights out

—

Restaurants

—

Movies, concerts & events

—

Holidays & travel

—

Celebrations & gifts

—

Books, games & music

—

Annual total: $0

🚗

Transport & Auto

$0 ▼

Bus, train & ferry

—

Uber / rideshare

—

Petrol

—

Tolls & parking

—

Rego & licence

—

Car repairs & servicing

—

Airfares

—

Other

—

Annual total: $0

👶

Children

$0 ▼

Baby products

—

Childcare

—

School fees

—

School uniforms & supplies

—

Sports & activities

—

Toys & entertainment

—

Child support payment

—

Other

—

Annual total: $0

💡 Smart Money Tips for Young Adults

🎯Aim to save at least 20% of your income — even $50/week adds up to $2,600 a year.

☕That $6 coffee every workday = $1,560/year. Small habits have a big impact.

🧾HECS/HELP debt is automatically repaid via your tax return once you earn above the threshold — make sure it's in your plan.

📱Check your subscriptions — most Australians pay for 3–5 services they barely use.

🏦A high-interest savings account or offset account can earn you money while it sits there. Compare at MoneySmart.gov.au.

Budget Planner

Spending Breakdown

📊 Your Budget Summary

💡 Smart Money Tips for Young Adults