Budget planner

Income

Financial
commitments

Home /
utilities

Education /
health

Shopping /
transport

Entertainment /
eating out

Results

Summary

HOW TO USE

Show results

Programs
you can save Excel file to your own computer
you need Microsoft Office 2003 or higher (Excel)

Income
Income
Total income:

Customising
you can choose how often you receive income or pay expenses using the dropdown list in the frequency column
you can customise the labels in the spreadsheet to better suit your needs by renaming existing fields
NOTE: Altering the budget planner (eg. adding rows/columns) may result in incorrect outputs

Feedback
We welcome all feedback. Send feedback via the website form (www.moneysmart.gov.au/feedback) or use the
feedback options on the Budget Planner webpage

Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:

This original version of this budget planner is published on www.moneysmart.gov.au and is subject to copyright.

What's left:

Quarterly

$108,000
$108,000

$0
$15,275
$15,300
$1,750
$0
$0
$0
$0
$0
$32,325

$75,675
per quarter

[Version: 2.00 - Sept 2011]

Source: www.moneysmart.gov.au

Page 1

Budget planner
Income

Financial
commitments

Home / utilities

Education / health Shopping / transport

Entertainment /
eating out

Income

Results

Summary
Show results

Frequency
Your take-home pay
Your partner's take-home pay

Monthly

Bonuses/overtime
Income from savings and investments

Annually

Monthly

Annually

Centrelink benefits
Family benefit payments

Fortnightly

Child support received

Other

Monthly

Amount
$30,000
$0

Quarterly Amount
$90,000
$0

$36,000
$36,000

$9,000
$9,000

Fortnightly

Monthly

$0
$0

$0
$0

$0
$0
Total

$0
$0
$108,000

Income
Income
Total income:
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:

What's left:

Quarterly

$108,000
$108,000

$0
$15,275
$15,300
$1,750
$0
$0
$0
$0
$0
$32,325

$75,675
per quarter

Source: www.moneysmart.gov.au

Page 2

Budget planner
Income

Financial
commitments

Home / utilities

Education / health

Shopping / transport

Entertainment /
eating out

Financial Commitments

Results

Summary
Show results

Frequency
Monthly

$0

Quarterly Amount
$0
$0

Monthly

$0
$0

$0
$0

Rent / Mortgage
Car loan repayments

Weekly

Other loan repayments

Credit card interest

Amount

Monthly

Voluntary super contributions

Savings

Fortnightly

Child support payments

Donations / Charity

Monthly

Pocket money
Type in your own expense

Weekly

Fortnightly

Monthly

Monthly

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0
Total

$0
$0
$0

Income
Income
Total income:
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:

What's left:

Quarterly

$108,000
$108,000

$0
$15,275
$15,300
$1,750
$0
$0
$0
$0
$0
$32,325

$75,675
per quarter

Source: www.moneysmart.gov.au

Page 3

Budget planner
Income

Financial
commitments

Home / utilities

Education /
health

Shopping / transport

Entertainment /
eating out

Home
Annually
Monthly
Monthly
Annually
Annually
Monthly

Utilities
Electricity
Gas
Water
Internet
Pay TV
Home phone
Mobile phone(s)
Type in your own expense

Summary
Show results

Frequency
Council rates
Body Corporate fees
Home and contents insurance
Home maintenance and repairs
New furniture / Appliances
Other

Results

Monthly
Monthly
Monthly
Monthly
Monthly
Monthly
Monthly
Monthly

Amount
$100
$0
$0
$3,000
$10,000
$4,000
Total

Quarterly Amount
$25
$0
$0
$750
$2,500
$12,000
$15,275

$1,000
$1,000
$400
$500
$400
$500
$300
$1,000
Total

$3,000
$3,000
$1,200
$1,500
$1,200
$1,500
$900
$3,000
$15,300

Income
Income
Total income:
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:

What's left:

Quarterly

$108,000
$108,000

$0
$15,275
$15,300
$1,750
$0
$0
$0
$0
$0
$32,325

$75,675
per quarter

Source: www.moneysmart.gov.au

Page 4

Budget planner
Income

Financial
commitments

Home / utilities

Education /
health

Shopping / transport

Entertainment /
eating out

Education
Annually
Annually
Weekly
Annually
Annually
Monthly
Monthly

Amount
$5,000
$0
$0
$1,000
$1,000
$0
$0
Total

Quarterly Amount
$1,250
$0
$0
$250
$250
$0
$0
$1,750

$0
$0
$0
$0
$0
$0
$0
$0
Total

$0
$0
$0
$0
$0
$0
$0
$0
$0

Health
Private health insurance
Life insurance
Doctors
Dentists
Medicines / Pharmacy
Eyecare / Glasses
Vet
Type in your own expense

Summary
Show results

Frequency
School fees
Uni / TAFE
Childcare / Pre-school
School uniforms
Sport, music, dance, etc
Excursions
Other

Results

Monthly
Monthly
Annually
Annually
Annually
Annually
Annually
Monthly

Income
Income
Total income:
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:

What's left:

Quarterly

$108,000
$108,000

$0
$15,275
$15,300
$1,750
$0
$0
$0
$0
$0
$32,325

$75,675
per quarter

Source: www.moneysmart.gov.au

Page 5

Budget planner
Income

Financial
commitments

Home / utilities

Education /
health

Shopping / transport

Entertainment /
eating out

Shopping
Weekly
Weekly
Weekly
Monthly
Monthly
Quarterly
Monthly
Weekly

Amount
$0
$0
$0
$0
$0
$0
$0
$0
Total

Quarterly Amount
$0
$0
$0
$0
$0
$0
$0
$0
$0

$0
$0
$0
$0
$0
$0
$0
Total

$0
$0
$0
$0
$0
$0
$0
$0

Transport
Car insurance
Car maintenance
Car rego / Licence
Petrol
Road tolls / Parking
Trains / Buses / Ferries
Type in your own expense

Summary
Show results

Frequency
Supermarket
Fruit / Veg
Baby products
Clothing / Shoes
Cosmetics / Toiletries
Hairdresser
Gifts and others
Other food and grocery

Results

Annually
Annually
Annually
Fortnightly
Monthly
Weekly
Monthly

Income
Income
Total income:
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:

What's left:

Quarterly

$108,000
$108,000

$0
$15,275
$15,300
$1,750
$0
$0
$0
$0
$0
$32,325

$75,675
per quarter

Source: www.moneysmart.gov.au

Page 6

Budget planner
Income

Financial
commitments

Home / utilities

Education /
health

Shopping / transport

Entertainment /
eating out

Entertainment
Annually
Weekly
Weekly
Monthly
Weekly
Fortnightly
Fortnightly
Weekly
Annually
Monthly

Amount
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Total

Quarterly Amount
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

$0
$0
$0
$0
$0
Total

$0
$0
$0
$0
$0
$0

Eating out
Restaurants
Takeaway / Snacks
Bought lunches
Coffee / Tea
Type in your own expense

Summary
Show results

Frequency
Holidays
Bars / Clubs
Other alcohol
Gym / Sporting membership
Cigarettes
Movies / Music
Hobbies
Newspaper / Magazines
Celebrations
Other

Results

Monthly
Weekly
Weekly
Weekly
Monthly

Income
Income
Total income:
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:

What's left:

Quarterly

$108,000
$108,000

$0
$15,275
$15,300
$1,750
$0
$0
$0
$0
$0
$32,325

$75,675
per quarter

Source: www.moneysmart.gov.au

Page 7

Budget planner
Income

Financial
commitments

Home / utilities

Education /
health

Shopping / transport

Entertainment /
eating out

Results

Summary
Show results

Summary
Your budget position:

Income
Income

You are spending $75,675 per quarter less than you earn.
Congratulations!

Total income:

Your spending breakdown

Financial commitments
Home / Utilities
Education / Health
Shopping / Transport
Entertainment / Eating out

Education / Health

Spending breakdown
Financial commitment
Home / Utilities
Education / Health

0
30575
1750

Shopping / Transport Home / Utilities

Entertainment / Eatin

Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out

Quarterly

$108,000
$108,000

$0
$15,275
$15,300
$1,750
$0
$0
$0
$0
$0

Next steps:
1) Do a reality check. Is your bank account going up each month? If the results don't match, track your actual
spending in more detail. The money is going somewhere!
2) If you have spare money each month, think how best to use it, e.g.
i) repay any loans faster
ii) put money into a special savings account
3) Print your plan.

Source: www.moneysmart.gov.au

Page 8

Total outgoings:

What's left:

$32,325

$75,675
per quarter

Budget planner
Summary
Summary

Quarterly Amount

Total income:

$108,000

Total outgoings:

$32,325

What's left:

$75,675

Your budget position:

You are spending $75,675 per quarter less than you earn.
Congratulations!

Your spending breakdown

Your spending breakdown

Financial commitments
Home / Utilities
Education / Health
Shopping / Transport
Entertainment / Eating out

Quarterly Amount

$0
$30,575
$1,750
$0
$0

Spending breakdown

Education / Health
Financial commitments

Home / Utilities

Education / Health

$0

$30,575

$1,750

Shopping / Transport

$0

Entertainment / Eating out

$0

Home / Utilities

Next steps:
1) Do a reality check. Is your bank account going up each month? If the results don't match, track your actual
spending in more detail. The money is going somewhere!
2) If you have spare money each month, think how best to use it, e.g.
i) repay any loans faster
ii) put money into a special savings account
iii) increase your contributions to superannuation or other investments
3) Print your plan.

Budget planner
Your detailed budget
Income

Frequency

Amount

Quarterly Amount

Your take-home pay

Monthly

$30,000

$90,000

Your partner's take-home pay

Monthly
Annually

$36,000

$9,000

Annually

$36,000

$9,000

Amount

Quarterly Amount

Frequency

Amount

Quarterly Amount

Annually

$100

$25

Bonuses/overtime
Income from savings and investments
Centrelink benefits

Fortnightly

Family benefit payments

Fortnightly

Child support received

Monthly

Other

Monthly

Financial Commitments

Frequency

Rent / Mortgage

Weekly

Car loan repayments

Monthly

Other loan repayments

Monthly

Credit card interest

Monthly

Voluntary super contributions

Fortnightly

Savings

Fortnightly

Child support payments

Monthly

Donations / Charity

Monthly

Pocket money

Weekly

Type in your own expense

Monthly

Home / Utilities
Council rates
Body Corporate fees
Home and contents insurance

Monthly
Monthly

Home maintenance and repairs

Annually

$3,000

$750

New furniture / Appliances

Annually

$10,000

$2,500

Other

Monthly

$4,000

$12,000

Electricity

Monthly

$1,000

$3,000

Gas

Monthly

$1,000

$3,000

Water

Monthly

$400

$1,200

Internet

Monthly

$500

$1,500

Pay TV

Monthly

$400

$1,200

Home phone

Monthly

$500

$1,500

Mobile phone(s)

Monthly

$300

$900

Type in your own expense

Monthly

$1,000

$3,000

Education / Health

Frequency

Amount

Quarterly Amount

School fees

Annually

$5,000

$1,250

Uni / TAFE

Annually

Childcare / Pre-school

Weekly

School uniforms

Annually

$1,000

$250

Sport, music, dance, etc

Annually

$1,000

$250

Excursions

Monthly

Other

Monthly

Private health insurance

Monthly

Life insurance

Monthly

Doctors

Annually

Dentists

Annually

Medicines / Pharmacy

Annually

Notes

Budget planner
Eyecare / Glasses

Annually

Vet

Annually

Type in your own expense

Shopping / Transport

Monthly
Frequency

Supermarket

Weekly

Fruit / Veg

Weekly

Baby products

Weekly

Clothing / Shoes

Monthly

Cosmetics / Toiletries

Monthly

Hairdresser

Monthly

Other food and grocery

Weekly

Car insurance

Annually

Car maintenance

Annually

Car rego / Licence

Annually
Monthly

Trains / Buses / Ferries

Weekly

Type in your own expense

Monthly

Holidays

Frequency
Annually

Bars / Clubs

Weekly

Other alcohol

Weekly

Gym / Sporting membership

Monthly

Cigarettes

Weekly

Movies / Music

Fortnightly

Hobbies

Fortnightly

Newspaper / Magazines
Celebrations

Weekly
Annually

Other

Monthly

Restaurants

Monthly

Takeaway / Snacks

Weekly

Bought lunches

Weekly

Coffee / Tea

Weekly

Type in your own expense

Monthly

Notes

Amount

Quarterly Amount

Fortnightly

Road tolls / Parking

Entertainment / Eating out

Quarterly Amount

Quarterly

Gifts and others

Petrol

Amount

Notes

Budget planner

Source: www.moneysmart.gov.au