Budget planner

Put yourself in control of your finances.
Simply enter your earnings and expenses below and calculate.

What you'll have

As you work through your budget, you can see how much money is left over.


Great, your monthly budget is in surplus. Print IconPrint

Total monthly income $0
Total monthly expenses $0
Surplus $0

If you have made an error and/or want to edit, go back.

Next steps

You have a monthly saving potential of $9,600. Whatever you are saving for, be it goal oriented or just for a rainy day – apply for a savings account that suits your needs.

With a starting balance and ongoing monthly deposit of and by opening:

IMG ANZ Online saver Card
ANZ Online Saver You could earn up to in 5 years.
IMG ANZ Progress saver Card
ANZ Progress Saver You could earn up to in 5 years.

Alternatively use our Savings calculator to estimate your potential savings.

Frequently asked questions

How does the budget planner work?

The budget planner works by adding up all of your expenses and deducting them from your net income. This tells you how much money you have or do not have available at the end of the specified time period. It tells you how much money you can afford to invest/save or how much shortfall you have.

What is the amount of my total monthly savings/shortfall?

Total monthly savings/shortfall is the amount that you have either saved or overspent at the end of the month. This is calculated using your salary and your expenditure.

What is my 'other' income?

Your 'other income' is income you earned other than from your primary income source. This can include earnings from rental properties.

This information is provided for illustrative purposes only and is based on the accuracy of information provided. It does not constitute a quote. ANZ will not store the information provided in this calculator.

Indicative total amount at the end of the period assumes no withdrawals, debits, fees or charges are processed from the account.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and the Financial Services Guide (PDF 104kB) before acquiring the product.

Interest rates used in this budget planner are current as at the point of calculation.