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Where the money goes
Budget Planner
Enter income and expenses by category — see your surplus or shortfall, savings rate, and a breakdown of where the money goes. The foundation under every borrowing decision.
Show figures per
Enter values monthly; the view only changes how results display.
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$
Rent, side income, government payments.
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$
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$
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$
Surplus per month
$1,100
Savings rate: 15.7% of income.
Income / month$7,000
Expenses / month$5,900
Left over / month$1,100
Where it goes
Total / month
$5,900
- Housing (rent / mortgage)$2,200
- Utilities & bills$400
- Groceries$900
- Transport & fuel$500
- Insurance$300
- Lifestyle & entertainment$700
- Savings & investments$600
- Other$300
A healthy surplus. This is the capacity that supports borrowing — and the cushion that gets you through rate moves.
Assumptions & method
- Enter every value as a monthly figure; the week/month/year toggle only rescales the display.
- Income should be after-tax (take-home) for a true picture.
- Categories are a guide — fold anything not listed into ‘Other’.
- General information only — not financial advice.
Beyond the numbers
A number is a starting point, not an answer
These tools model the mechanics. The decision depends on structure, timing and the specifics of your scenario — that's the conversation worth having.