You are on page 1of 16

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:

Monthly

$8,248
$8,248

$674
$0
$0
$0
$0
$0
$0
$0
$0
$674

$7,574
per month

[Version: 2.01 - Sept 2013]

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

Centrelink benefits
Family benefit payments

Fortnightly

Child support received


Other

Monthly

Fortnightly

Amount
$8,248
$0

Monthly amount
$8,248
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0
Total

$0
$0
$8,248

Annually

Fortnightly

Monthly

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

What's left:

Monthly

$8,248
$8,248

$674
$0
$0
$0
$0
$0
$0
$0
$0
$674

$7,574
per month

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

Weekly

Other loan repayments


Credit card interest

Monthly

Monthly

Amount
$0
$650

Monthly amount
$0
$650

$0
$0

$0
$0

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
$24

$0
$24

$0
$0
Total

$0
$0
$674

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

What's left:

Monthly

$8,248
$8,248

$674
$0
$0
$0
$0
$0
$0
$0
$0
$674

$7,574
per month

Source: www.moneysmart.gov.au

Page 3

Budget planner
Income

Financial
commitments

Home / utilities

Education /
health

Shopping / transport

Entertainment / eating
out

Home
Quarterly
Quarterly
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

Quarterly
Quarterly
Quarterly
Monthly
Monthly
Monthly
Monthly
Monthly

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

Monthly amount
$0
$0
$0
$0
$0
$0
$0

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

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

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

What's left:

Monthly

$8,248
$8,248

$674
$0
$0
$0
$0
$0
$0
$0
$0
$674

$7,574
per month

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
$0
$0
$0
$0
$0
Total

Monthly 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
$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:

Monthly

$8,248
$8,248

$674
$0
$0
$0
$0
$0
$0
$0
$0
$674

$7,574
per month

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

Monthly 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:

Monthly

$8,248
$8,248

$674
$0
$0
$0
$0
$0
$0
$0
$0
$674

$7,574
per month

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

Monthly 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:

Monthly

$8,248
$8,248

$674
$0
$0
$0
$0
$0
$0
$0
$0
$674

$7,574
per month

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 $7,574 per month less than you earn.
Congratulations!

Total income:

Your spending breakdown


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

Spending breakdown
Financial commitment

674

Home / Utilities

Education / Health

Shopping /

Financial commitments
Transport

Entertainment / Eatin

0
0

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

Monthly

$8,248
$8,248

$674
$0
$0
$0
$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:

$674

$7,574
per month

Budget planner
Summary
Summary

Monthly amount

Total income:

$8,248

Total outgoings:

$674

What's left:

$7,574

Your budget position:


You are spending $7,574 per month less than you earn.
Congratulations!

Your spending breakdown


Your spending breakdown

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

Monthly amount

$674
$0
$0
$0
$0

Spending breakdown

Financial commitments

$674

Home / Utilities

$0

Education / Health

$0

Shopping / Transport

$0

Entertainment / Eating out

$0

Financial commitments

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
Your take-home pay
Your partner's take-home pay
Bonuses/overtime
Income from savings and investments

Frequency

Amount

Monthly amount

Monthly

$8,248

$8,248

Amount

Monthly amount

$650

$650

$24

$24

Amount

Monthly amount

Amount

Monthly amount

Fortnightly
Annually
Annually

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

Frequency

Council rates

Quarterly

Body Corporate fees

Quarterly

Home and contents insurance

Monthly

Home maintenance and repairs

Annually

New furniture / Appliances

Annually

Other

Monthly

Electricity

Quarterly

Gas

Quarterly

Water

Quarterly

Internet

Monthly

Pay TV

Monthly

Home phone

Monthly

Mobile phone(s)

Monthly

Type in your own expense

Monthly

Education / Health

Frequency

School fees

Annually

Uni / TAFE

Annually

Childcare / Pre-school

Weekly

School uniforms

Annually

Sport, music, dance, etc

Annually

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

Monthly amount

Fortnightly

Road tolls / Parking

Entertainment / Eating out

Monthly amount

Quarterly

Gifts and others

Petrol

Amount

Notes

Budget planner

Source: www.moneysmart.gov.au

You might also like