Comprehensive Australian Budget Planner

Track 33 line items across nine categories — income, housing & utilities, transport, food, health & insurance, family, lifestyle, debt repayments, savings & investments. Each line accepts your real cadence (weekly / fortnightly / monthly / quarterly / yearly) and is normalised to monthly. See your monthly surplus, savings rate, and 50/30/20 breakdown (Needs / Wants / Savings).

What you get

• Monthly surplus or shortfall (income minus expenses minus savings).
• Savings rate as a percentage of income.
• 50/30/20 stacked bar — needs vs wants vs savings, with target benchmarks.
• Per-section totals so you can see where the money goes.
• Local storage — your inputs persist in your browser. Nothing is sent to a server.

The nine categories

• Income — take-home pay, partner pay, other income
• Housing & Utilities — rent / mortgage, rates, power, water, internet
• Transport — fuel, public transport, rego, maintenance
• Food & Groceries — groceries, dining out, coffee & lunches
• Health & Insurance — private health, life, medical
• Family — childcare, school fees, kids' activities
• Lifestyle & Personal — subscriptions, gym, clothing, entertainment, travel
• Debt repayments — credit cards, personal loans, HECS-HELP
• Savings & Investments — emergency fund, investments, extra super, goal savings