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Budget Planner Australia — Free 50/30/20 Rule Calculator

Budget Planner 💰

Plan your spending with the 50/30/20 rule. Split your income into needs, wants and savings — weekly, fortnightly or monthly.

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Getting started with your 50/30/20 Australian budget

Enter your after-tax income on the left, then add items to each category. The 50/30/20 rule is a proven starting point — 50% Needs, 30% Wants, 20% Savings & investments. Works weekly, fortnightly or monthly.
Accounts & Transfers
Total
$0.00
No accounts yet — add one to assign budget items.
Account Transfer Amount
Add accounts and assign items to see transfer amounts.
Savings & Investments
Total
$0
Remaining
$0
Item Billing Account Amount Per Period
💰Start building your futureEven small regular savings add up. Add your super contributions, ETF investments, or emergency fund here. ↑ Hit "Add Item" to get started
Wants
Total
$0
Remaining
$0
Item Billing Account Amount Per Period
🛍️Life is for living tooTrack subscriptions, dining out, hobbies, travel — anything you spend on yourself. Balance is the goal! ↑ Add your first "want" above
Needs
Total
$0
Remaining
$0
Item Billing Account Amount Per Period
🏠Cover your essentials firstAdd rent or mortgage, electricity, groceries, insurance, and transport — these are the non-negotiables. ↑ Add your essential expenses above