Free Budget Calculator

See where your money goes

A budget is a record of what comes in and what goes out. This tool adds yours up in whichever rhythm you are paid: weekly, fortnightly, monthly. It also counts the annual bills most budgets miss, which is usually where the picture changes. It will not tell you what to do.

Education tool only. Not financial advice.

New to this, or starting again? Four steps, and you do not have to do any maths.

  1. Enter what comes in, and how often it lands.
  2. Add your bills at whatever frequency they are charged.
  3. Add the annual ones. Rego, the car service, Christmas.
  4. Read the result, and take a one-page summary with you if you want to keep it.

There is no score, and nothing to fail.

Show my money by the

Step 1 · What comes in

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Your take-home pay after tax, and how often it lands. If your income varies, use a figure from a quieter month rather than a good one.

Step 2 · Fixed costs

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Rent or mortgage, power, insurance, minimum repayments. The ones that go out on their own. Set how often each is charged.

Step 3 · Flexible spending

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Groceries, transport, the day-to-day. You have more say over this group than the last one.

The quiet subscriptions. The streaming you forgot, the app that renewed, the gym you keep meaning to use. Tap any that are yours and see what they come to together.

Step 4 · The ones that hide

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Rego, the car service, insurance that renews, Christmas. These land like surprises even though the date was never in doubt. Add each one as a yearly amount and the tool spreads it across the period you have chosen. That spread is what the chart below calls your set-aside.

One more place to look. Some of your money leaves from a joint account, a partner's card, or buy now pay later like Afterpay or Zip. If it is your money going out, it belongs here.

The shape of your fortnight

Fixed 0% Flexible 0% Set aside 0% Left 0%
In per fortnight
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Out per fortnight
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Left over
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Add your numbers above and this fills in. A large flexible share is not a failing. Some months are like that. Seeing it on screen is what lets you decide what, if anything, you want to change.
One question to sit with Is your flexible spending going where you would choose, if you were choosing deliberately? There is no right answer to that one.

See it as a long game

This illustrates opportunity cost as a concept: small moves, pictured over time. It is not a prediction, not a product return, and not a suggestion to change your spending or move your money.

$0 a fortnight
Drag the slider to see what shifting some flexible spending would look like.
A small habit, seen over time

The median super gap for Australian women aged 60 to 64 is around $61,400 (Super Members Council analysis of ATO data for 2023-24, published June 2026). Understanding how time works on money is part of understanding a number like that.

That is what your money looks like right now. Why it looks like that, and what moves it over the years, is what we teach, without the jargon. See how Her Long Game works.

Take your budget with you

A one-page summary of everything above, built by your browser from your own figures. No spreadsheet to wrestle with. Your budget numbers never leave your device.

Opens your print window. Choose "Save as PDF".
One step

Your summary is ready

Add your email and the download starts. You will also get the occasional note on understanding the system, which you can stop at any time.

Your budget figures stay on your device. This form sends only your name and email address. Unsubscribe anytime. Read our Privacy Policy. General education only, not financial advice.

General education only. Not financial advice. Your numbers stay in your browser and are not stored or sent anywhere.
Her Long Game
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Your money, at a glance

In
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Out
$0
Left over
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Fixed costs
Flexible spending
The ones that hide

General education only. Not financial advice.

Questions, answered plainly

What is a budget calculator?

A budget calculator is a simple tool that adds up your income and spending and shows where your money goes. This one lets you enter each amount at whatever frequency you are paid or billed, weekly, fortnightly, monthly, quarterly or yearly, then shows everything in the rhythm you choose. It groups your money into fixed costs, flexible spending, the annual costs that get forgotten, and what is left, and lets you download a one-page summary. It is an education tool. It does not tell you what to do with the result.

Is this budget calculator free?

Yes. It is free to use and does not store your numbers on a server. Everything is worked out on your own device. Downloading the one-page summary asks for your email address.

Can I download my budget?

Yes. You can download a one-page PDF summary with your totals, the share going to each group, the annual costs set aside, and every item you entered. Your browser builds it from the figures on screen, so the numbers themselves are never sent anywhere. It asks for your email address the first time.

Does the budget calculator give financial advice?

No. It illustrates where your money goes and how time can work on money, using assumptions shown on screen. It does not recommend any product, strategy or course of action, and it does not consider your personal circumstances.

Want to know where to begin? Take the two-minute financial literacy quiz, or read what financial literacy means.