Académique Documents
Professionnel Documents
Culture Documents
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:
Annually
$73,736
$73,736
$17,160
$1,000
$2,696
$4,264
$2,868
$12,200
$6,268
$5,500
$1,200
$53,156
$20,580
per year
Source: www.moneysmart.gov.au
Page 1
Budget planner
Income
Financial
commitments
Home / utilities
Entertainment / eating
out
Income
Results
Summary
Show results
Frequency
Your take-home pay
Your partner's take-home pay
Fortnightly
Bonuses/overtime
Income from savings and investments
Annually
Centrelink benefits
Family benefit payments
Fortnightly
Monthly
Fortnightly
Amount
$828
$1,864
Annually amount
$21,528
$48,464
$0
$0
$0
$0
$0
$144
$0
$3,744
$0
$0
Total
$0
$0
$73,736
Annually
Fortnightly
Monthly
Income
Income
Total income:
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:
What's left:
Annually
$73,736
$73,736
$17,160
$1,000
$2,696
$4,264
$2,868
$12,200
$6,268
$5,500
$1,200
$53,156
$20,580
per year
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
Rent / Mortgage
Car loan repayments
Fortnightly
Monthly
Fortnightly
Amount
$660
$0
Annually amount
$17,160
$0
$0
$0
$0
$0
Monthly
Fortnightly
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
$17,160
Income
Income
Total income:
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:
What's left:
Annually
$73,736
$73,736
$17,160
$1,000
$2,696
$4,264
$2,868
$12,200
$6,268
$5,500
$1,200
$53,156
$20,580
per year
Source: www.moneysmart.gov.au
Page 3
Budget planner
Income
Financial
commitments
Home / utilities
Education /
health
Shopping / transport
Entertainment / eating
out
Home
Monthly
Quarterly
Monthly
Annually
Annually
Monthly
Utilities
Electricity
Gas and hot water
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
Quarterly
Quarterly
Quarterly
Monthly
Monthly
Monthly
Monthly
Monthly
Amount
$0
$0
$0
$0
$1,000
$0
Total
Annually amount
$0
$0
$0
$0
$1,000
$0
$1,000
$150
$150
$77
$59
$0
$0
$40
$0
Total
$600
$600
$308
$708
$0
$0
$480
$0
$2,696
Income
Income
Total income:
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:
What's left:
Annually
$73,736
$73,736
$17,160
$1,000
$2,696
$4,264
$2,868
$12,200
$6,268
$5,500
$1,200
$53,156
$20,580
per year
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
$0
$0
$82
$0
$0
$0
$0
Total
Annually amount
$0
$0
$4,264
$0
$0
$0
$0
$4,264
$164
$0
$250
$250
$200
$200
$0
$0
Total
$1,968
$0
$250
$250
$200
$200
$0
$0
$2,868
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:
Annually
$73,736
$73,736
$17,160
$1,000
$2,696
$4,264
$2,868
$12,200
$6,268
$5,500
$1,200
$53,156
$20,580
per year
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
$100
$100
$10
$50
$20
$50
$20
$0
Total
Annually amount
$5,200
$5,200
$520
$600
$240
$200
$240
$0
$12,200
$114
$1,000
$700
$100
$0
$50
$0
Total
$1,368
$1,000
$700
$2,600
$0
$600
$0
$6,268
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
Monthly
Annually
Annually
Fortnightly
Monthly
Monthly
Monthly
Income
Income
Total income:
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Total outgoings:
What's left:
Annually
$73,736
$73,736
$17,160
$1,000
$2,696
$4,264
$2,868
$12,200
$6,268
$5,500
$1,200
$53,156
$20,580
per year
Source: www.moneysmart.gov.au
Page 6
Budget planner
Income
Financial
commitments
Home / utilities
Education /
health
Shopping / transport
Entertainment / eating
out
Entertainment
Annually
Amount
$5,000
$0
$0
$0
$0
$0
$0
$500
$0
Total
Annually amount
$5,000
$0
$0
$0
$0
$0
$0
$0
$500
$0
$5,500
$100
$0
$0
$0
$0
Total
$1,200
$0
$0
$0
$0
$1,200
Weekly
Weekly
Monthly
Weekly
Fortnightly
Fortnightly
Weekly
Annually
Monthly
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:
Annually
$73,736
$73,736
$17,160
$1,000
$2,696
$4,264
$2,868
$12,200
$6,268
$5,500
$1,200
$53,156
$20,580
per year
Source: www.moneysmart.gov.au
Page 7
Budget planner
Income
Financial
commitments
Home / utilities
Education /
health
Entertainment /
eating out
Shopping / transport
Results
Summary
Show results
Summary
Your budget position:
Income
Income
You are spending $20,580 per year less than you earn.
Congratulations!
Total income:
Spending breakdown
Financial commitment
17160
Shopping / Transport
Home / Utilities
Education / Health
Shopping / Transport
Entertainment / Eatin
3696
Home / Utilities
Education / Health
7132
18468
6700
Outgoings
Financial comm.
Home
Utilities
Education
Health
Shopping
Transport
Entertainment
Eating out
Annually
$73,736
$73,736
$17,160
$1,000
$2,696
$4,264
$2,868
$12,200
$6,268
$5,500
$1,200
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:
$53,156
$20,580
per year
Budget planner
Summary
Summary
Annually amount
Total income:
$73,736
Total outgoings:
$53,156
What's left:
$20,580
Financial commitments
Home / Utilities
Education / Health
Shopping / Transport
Entertainment / Eating out
Annually amount
$17,160
$3,696
$7,132
$18,468
$6,700
Spending breakdown
Financial commitments
Home / Utilities
Education / Health
Shopping / Transport
$3,696
Financial commitments
$7,132
Shopping / Transport
$18,468
$6,700
Home / Utilities
Education / Health
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
Annually amount
Fortnightly
$828
$21,528
Fortnightly
$1,864
$48,464
$144
$3,744
Bonuses/overtime
Income from savings and investments
Annually
Annually
Centrelink benefits
Fortnightly
Fortnightly
Monthly
Other
Monthly
Financial Commitments
Frequency
Amount
Annually amount
Rent / Mortgage
Fortnightly
$660
$17,160
Fortnightly
Amount
Annually amount
$1,000
$1,000
Monthly
Monthly
Fortnightly
Savings
Fortnightly
Monthly
Donations / Charity
Monthly
Pocket money
Weekly
Monthly
Home / Utilities
Council rates
Body Corporate fees
Home and contents insurance
Frequency
Monthly
Quarterly
Monthly
Annually
Annually
Other
Monthly
Electricity
Quarterly
$150
$600
Quarterly
$150
$600
Water
Quarterly
$77
$308
Internet
Monthly
$59
$708
Pay TV
Monthly
Home phone
Monthly
Mobile phone(s)
Monthly
$40
$480
Monthly
Amount
Annually amount
$82
$4,264
$164
$1,968
Education / Health
Frequency
School fees
Annually
Uni / TAFE
Annually
Childcare / Pre-school
Weekly
School uniforms
Annually
Annually
Excursions
Monthly
Other
Monthly
Monthly
Life insurance
Monthly
Doctors
Annually
$250
$250
Dentists
Annually
$250
$250
Medicines / Pharmacy
Annually
$200
$200
Notes
Budget planner
Eyecare / Glasses
Annually
Vet
Annually
Shopping / Transport
$200
$200
Monthly
Frequency
Amount
Annually amount
Supermarket
Weekly
$100
$5,200
Fruit / Veg
Weekly
$100
$5,200
Baby products
Weekly
$10
$520
Clothing / Shoes
Monthly
$50
$600
Cosmetics / Toiletries
Monthly
$20
$240
Hairdresser
Quarterly
$50
$200
Monthly
$20
$240
Weekly
Car insurance
Monthly
$114
$1,368
Car maintenance
Annually
$1,000
$1,000
Annually
$700
$700
Fortnightly
$100
$2,600
$50
$600
Frequency
Amount
Annually amount
Annually
$5,000
$5,000
$500
$500
$100
$1,200
Petrol
Road tolls / Parking
Monthly
Monthly
Monthly
Weekly
Other alcohol
Weekly
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
Monthly
Notes
Notes
Budget planner
Source: www.moneysmart.gov.au