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

$3,770
$3,770

$0
$0
$100
$0
$0
$0
$0
$574
$260
$934

$2,836
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

Weekly

Bonuses/overtime
Income from savings and investments

Annually

Centrelink benefits
Family benefit payments

Fortnightly

Child support received

Other

Monthly

Fortnightly

Amount
$870
$0

Monthly amount
$3,770
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0
Total

$0
$0
$3,770

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

$3,770
$3,770

$0
$0
$100
$0
$0
$0
$0
$574
$260
$934

$2,836
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
$0

Monthly amount
$0
$0

$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
$0

$0
$0

$0
$0
Total

$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

$3,770
$3,770

$0
$0
$100
$0
$0
$0
$0
$574
$260
$934

$2,836
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
$100
$0
Total

$0
$0
$0
$0
$0
$0
$100
$0
$100

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

What's left:

Monthly

$3,770
$3,770

$0
$0
$100
$0
$0
$0
$0
$574
$260
$934

$2,836
per month

Source: www.moneysmart.gov.au

Page 4

Budget planner
Income

Financial
commitments

Home / utilities

Education /
health

Shopping / transport

Entertainment / eating
out

Education
Weekly
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
$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
Weekly

Total

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

What's left:

Monthly

$3,770
$3,770

$0
$0
$100
$0
$0
$0
$0
$574
$260
$934

$2,836
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

$3,770
$3,770

$0
$0
$100
$0
$0
$0
$0
$574
$260
$934

$2,836
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
Weekly
Weekly
Fortnightly
Fortnightly
Weekly
Annually
Monthly

Amount
$0
$0
$0
$120
$0
$25
$0
$0
$0
$0
Total

Monthly amount
$0
$0
$0
$520
$0
$54
$0
$0
$0
$0
$574

$0
$5
$55
$0
$0
Total

$0
$22
$238
$0
$0
$260

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

$3,770
$3,770

$0
$0
$100
$0
$0
$0
$0
$574
$260
$934

$2,836
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 $2,836 per month less than you earn.
Congratulations!

Total income:

Your spending breakdown

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

Home / Utilities

Spending breakdown
Financial commitment

Home / Utilities

100

Education / Health

Entertainment / Eating out

Shopping / Transport

Entertainment / Eatin

834.1666666667

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

Monthly

$3,770
$3,770

$0
$0
$100
$0
$0
$0
$0
$574
$260

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:

$934

$2,836
per month

PRINT FORMAT
Use Excel's toolbar to print this page

Budget planner
Summary
Summary

Monthly amount

Total income:

$3,770

Total outgoings:

$934

What's left:

$2,836

Your budget position:

You are spending $2,836 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

$0
$100
$0
$0
$834

Spending breakdown

Financial commitments

Home / Utilities

Education / Health

Shopping / Transport

Entertainment / Eating out

$0

Home / Utilities

$100

$0

$0

$834

Entertainment / Eating out

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.

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

Weekly

$870

$3,770

Amount

Monthly amount

Amount

Monthly amount

$100

$100

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

Weekly

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

Eyecare / Glasses

Annually

Vet

Annually

Type in your own expense

Weekly

Notes

Shopping / Transport

Frequency

Supermarket

Weekly

Fruit / Veg

Weekly

Baby products

Weekly

Clothing / Shoes

Monthly

Cosmetics / Toiletries
Hairdresser
Gifts and others
Other food and grocery

Weekly
Monthly
Frequency
Weekly

Other alcohol

Weekly

Gym / Sporting membership

Weekly
Weekly

Movies / Music

Fortnightly

Hobbies

Fortnightly

Celebrations

$54

Annually

Bars / Clubs

Newspaper / Magazines

$25

Monthly

Type in your own expense

Cigarettes

$520

Annually
Fortnightly

Trains / Buses / Ferries

Holidays

$120

Weekly
Annually

Entertainment / Eating out

Monthly amount

Monthly

Car maintenance

Road tolls / Parking

Amount

Monthly

Annually

Petrol

Monthly amount

Quarterly

Car insurance
Car rego / Licence

Amount

Weekly
Annually

Other

Monthly

Restaurants

Monthly

Takeaway / Snacks

Weekly

$5

$22

Bought lunches

Weekly

$55

$238

Coffee / Tea

Weekly

Type in your own expense

Monthly

Notes

Source: www.moneysmart.gov.au

Notes