Budget Planner - Free Australian Budget Calculator with Expense Tracking and Savings Projections
Budget Planner
Take control of your finances by planning exactly where your money goes.
1. Your Income
2. Expenses (weekly)
No expenses added yet.
Summary (weekly)
Free Australian Budget Planner & Expense Tracker
Take control of your finances with our comprehensive budget planner designed specifically for Australians. Whether you're paid weekly, fortnightly, or monthly, our tool helps you track expenses, plan savings, and understand where your money goes.
Our budget planner goes beyond simple expense tracking. It provides annual projections, daily breakdowns, and actionable insights like emergency fund goals and 5-year savings projections. All calculations are performed in your browser - your financial data never leaves your device.
Key Features
- Flexible Frequency: Weekly, fortnightly, monthly, or annual budgeting
- 10 Expense Categories: Rent, food, transport, utilities, and more
- Visual Breakdown: Interactive pie chart of your spending
- Annual Projections: See your yearly income, expenses, and savings
- Savings Milestones: Emergency fund and 5-year goals
Why Use Our Budget Planner?
- 100% Free: No signup, no hidden fees
- Completely Private: All data stays in your browser
- Australian-Focused: Designed for Australian pay cycles
- Actionable Insights: Real savings goals and timelines
- Easy to Use: Simple interface, instant calculations
Frequently Asked Questions
How does the Budget Planner work?
Enter your net income (after tax) and frequency, then add your expenses by category. The planner automatically calculates your remaining balance and shows you annual projections, daily breakdowns, and savings milestones.
What's the difference between income and net income?
Net income is your take-home pay after tax, Medicare levy, and other deductions. You can use our Tax Calculator to determine your net income from your gross salary.
How are annual projections calculated?
Annual projections are calculated by multiplying your income and expenses by the appropriate frequency multiplier (52 for weekly, 26 for fortnightly, 12 for monthly). This gives you a clear picture of your yearly financial situation.
What is an emergency fund?
An emergency fund is a savings buffer typically equal to 3-6 months of expenses. Our Budget Planner calculates a 3-month emergency fund goal based on your current expenses and shows you how long it will take to save at your current rate.
Can I save my budget?
Currently, budgets are stored in your browser session. We recommend taking a screenshot or printing your budget for future reference. Your data never leaves your device for privacy.