See your spending, monthly surplus and a realistic path to your emergency savings target in one place.
These estimates are a guide, not personal financial or tax advice. Don’t rely on them alone to borrow, invest or change work arrangements. Check your actual rates, entitlements and costs, and get qualified advice when needed.
Make it yours
Example figures are filled in to get you started. Replace them with your own.
1. Income and spending
Monthly household income after tax ($)
Monthly rent or mortgage ($)
Weekly groceries ($)
Monthly utilities, insurance and subscriptions ($)
Weekly transport ($)
Weekly childcare after subsidy ($)
Monthly other spending and debt payments ($)
Annual irregular costs: school, rego, repairs ($)
Monthly savings for OTHER goals ($)
2. Your emergency buffer
Monthly essentials to cover in an emergency ($)
Months of essentials you want covered
Emergency savings already available ($)
Planned monthly contribution to your emergency fund ($)
YOUR ILLUSTRATIVE RESULT
Based only on the values entered and assumptions below.
Left after spending and ALL planned savings / month
$1,317
Spending / month, including irregular bills
$6,683
Available after spending and other-goal savings / month
$1,617
Emergency fund target
$13,500
Emergency savings still needed
$10,500
Monthly buffer contribution supported by this budget
$300
Time to fund your buffer
35 months
Budget check
Your entered plan fits within your entered income.
How this estimate works
Weekly amounts use 52 weeks ÷ 12 months. Include each expense once. Essentials are a subset of your spending, used only to set the buffer target; they are not added again as an expense. Emergency contributions are separate from other-goal savings. Time to fund uses the smaller of your planned contribution and positive budget capacity, with no interest or inflation. Income and spending are assumed unchanged. This is a plan, not an affordability assessment.
These estimates are a guide, not personal financial or tax advice. Don’t rely on them alone to borrow, invest or change work arrangements. Check your actual rates, entitlements and costs, and get qualified advice when needed.
All amounts are Australian dollars. Example values are editable illustrations, not typical family costs or quoted rates. Inputs stay in this page’s memory; they are not saved or sent. Refreshing or leaving the calculator clears them. Models reviewed 22 October 2026.