Free Tool · Finance & Budgeting

Monthly Budget Builder

Enter your monthly income and expenses to see your 50/30/20 breakdown — and find out exactly where your money is going each month.

Income

$0.00/mo

No income added yet.

Add income

Income name

Amount ($)

Frequency

Deduct super (11.5%) from this income

Expenses

$0.00/mo

Needs — essential costs you can't avoid: rent, utilities, groceries, transport, insurance, minimum loan repayments.

No needs expenses yet.

Add needs expense

Expense name

Amount ($)

Frequency

Monthly income

$0.00/mo

after tax

Unallocated$0.00

Needs

$0.00/moTarget: 50%—

Wants

$0.00/moTarget: 30%—

Savings & Debt

$0.00/moTarget: 20%—

50/30/20 guide: Needs ≤50% · Wants ≤30% · Savings ≥20%.
These are targets, not rules — adjust for your situation.

Go deeper with Finance & Budgeting lessons

Now that you can see your budget,
learn how to actually stick to it

The builder shows you the numbers. These lessons explain how to design a system that works — even when life gets busy.

Free lesson always free · No card needed to start