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

Build a budget that actually works for your life

Use the 50/30/20 framework to split your income across needs, wants and savings. Free and anonymous.

🔒 Anonymous 📊 ABS & ASFA data 🇦🇺 Australian benchmarks
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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
🛍ï¸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
Also try: Compare your finances →  |  Track milestones →  |  Forecast your wealth →
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Common questions

Yes, completely free. No account needed. Your data stays in your browser.
It’s a simple framework: 50% of income to needs (rent, food, bills), 30% to wants (lifestyle, entertainment), and 20% to savings and debt repayment. It’s a guide, not a strict rule.
Create a free account to save your budget to the cloud and access it from any device.
No. This is an educational budgeting tool. Consult a licensed financial adviser for personalised advice.