YOUR ILLUSTRATIVE RESULT
Based only on the values entered and assumptions below.
Extra starting savings needed to avoid a shortfall
$0
BEFORE leave: household take-home income / week
$2,200
BEFORE leave: money left after costs / week
$700
Weeks 1–12: payments
Employer pay
Weeks 1–12: household income / week
$2,000
Weeks 1–12: income change from before leave / week
-$200
Weeks 1–12: surplus or shortfall / week
$400
Savings remaining after week 12
$7,300
Weeks 13–32: payments
Government pay
Weeks 13–32: household income / week
$1,700
Weeks 13–32: income change from before leave / week
-$500
Weeks 13–32: surplus or shortfall / week
$100
Savings remaining after week 32
$9,300
Weeks 33–39: payments
No leave payments
Weeks 33–39: household income / week
$1,000
Weeks 33–39: income change from before leave / week
-$1,200
Weeks 33–39: surplus or shortfall / week
-$600
Savings remaining after week 39
$5,100
First shortfall with your CURRENT savings
No shortfall in this scenario
Savings remaining at end of leave
$5,100
How this estimate works
Enter your expected NET payments, not salary before tax or a guessed entitlement. Employer and government payments can overlap or follow one another using their start weeks and durations. Payments outside your leave period are excluded. Each stream is constant during its paid weeks; income and costs settle at week end. Setup costs occur before leave. Weekly surpluses are retained to fund later shortfalls. The savings requirement covers the worst cumulative gap, not just the end balance. Check actual payment dates: a delayed or lump-sum payment can create a different gap. Tax, eligibility, super, irregular payment schedules and return-to-work income are not calculated. Continuing income must exclude both leave-pay streams.
Read the related Moneysmart guidance ↗