A budget is a record of what comes in and what goes out. This free tool adds it up in the rhythm you are paid, weekly, fortnightly or monthly, helps you catch the costs that hide, and shows you the shape of your money. It does not tell you what to do. That part is yours.
Education tool only. Not financial advice.
New to this, or need a reset? A few steps, no maths required.
Put in what comes in, and how often.
Add your bills at whatever frequency they land.
Catch the ones that hide, the annual costs like rego.
Read what the shape is telling you, and take a working Excel budget with you.
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 it moves around, use a lower, honest amount.
Step 2 · Fixed costs
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The bills that leave whether or not you think about them: rent or mortgage, power, insurance, minimum repayments. Set how often each one is charged.
Step 3 · Flexible spending
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The spending you have more say over: groceries, transport, the day-to-day. Not good or bad, only more moveable.
The quiet subscriptions. The streaming you forgot, the app that renewed, the gym you mean to use. Small alone, loud together. Tap any that are yours.
Step 4 · The ones that hide
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Rego, the car service, insurance that renews, Christmas. They feel like surprises. They are not, they are only annual. Add them as a yearly amount and we will show you the 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 such as Afterpay or Zip. If it is your money going out, it belongs here too.
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 to see your shape.This breakdown is a mirror, not a scorecard. A large flexible share is not a failing, and a small gap is not a grade. Seeing it clearly is what lets you decide, calmly, whether anything should change.
One question to sit withIs your flexible spending going to the things that matter most to you? There is no right answer. It is only worth a look.
See it as a long game
Small moves, pictured over time. This shows opportunity cost as an idea. 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 to picture moving some flexible spending somewhere else.
A small habit, seen over time
Why this matters at all: the median super gap for Australian women aged 60 to 64 is around $61,000
(Super Members Council analysis of ATO data, August 2025). Seeing how time works on money is part of
understanding why the early years carry weight.
This is the shape of your money. Understanding why it looks like this, and the choices that shape it over time, is what we teach, calmly and without the jargon. See how Her Long Game works.
Take your budget with you
Made on your device, from the numbers above. A working Excel budget you can keep editing. Nothing is saved or sent anywhere.
Opens in Excel, Google Sheets or Numbers.
This calculator is an educational tool only. It uses assumptions to illustrate concepts such as time, cost,
opportunity cost and compounding. It does not recommend a financial product, strategy or course of action, does not consider
your objectives, financial situation or needs, and should not be relied on as financial advice. Your numbers
stay in your browser and are not stored or sent anywhere.
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 working Excel
budget. It is an education tool and does not tell you what to do.
Is this budget calculator free?
Yes. It is free to use, needs no sign-up, and does not store your numbers on a server. Everything is worked
out on your own device, and your Excel budget is created there too.
Can I download my budget to Excel?
Yes. You can download a working Excel budget with your categories, the frequency of each amount, group
subtotals, and a left-over figure. The subtotals use live formulas, so if you change an amount in Excel the
totals update. The file is created on your device and is not sent anywhere.
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.