WORKING WEALTH / AUSTRALIA

Household budget planner

Turn take-home pay, everyday costs and irregular bills into a monthly cash-flow plan.

Read the lesson → Maths & Excel walkthrough →

Educational scenarios only. All amounts are AUD. These calculations do not assess your circumstances or recommend a product or strategy. Results are estimates, not forecasts or personal financial, credit or tax advice. Inputs stay in your browser and are not saved automatically. The optional Save control stores a scenario on this device; exported files contain your entered amounts. Check official rules and actual provider terms. Prepared by the Working Wealth editorial team, 1 November 2026; independent professional review is pending.

Assumptions and limits

Monthly net income; annual bills divided by 12. Savings are an allocation, not consumption. Enter each cost once: mortgage in housing, other loans in debt. Income tax is already deducted. No bank connections or recommended spending percentages.

References and verification

Official references checked for this release on 1 November 2026. Rules and product terms can change.