Budgeting.
Tools to help you allocate, track, and optimize your savings for multiple financial goals.
All 8 budgeting calculators
Free, instant, no signup. Every result shows its working and can be handed to the assistant.
50/30/20 Budget Planner
Allocate your income according to the popular 50/30/20 rule: 50% Needs, 30% Wants, 20% Savings. Track and optimise your monthly finances easily.
Savings Goals Tracker
Track progress towards multiple savings goals with timelines and targets.
Emergency Fund Timer
Estimate how long your emergency fund will last given your monthly expenses.
TaxTank Complete Budget Planner
Comprehensive digital budget planner for Australians — real-time bank feeds, automation, tax insights, expense tracking, goal setting.
Wage Calculator Budget Planner
Interactive budget planner that visualises cash flow, projects savings milestones and automates emergency fund targets for Australian consumers.
Billroo Budgeting App
Australian-focused budgeting app with automation, forecasting, open banking integration, and multi-category analysis for expense management.
MyBudget Personal Loan and Budget Hub
Collection of free calculators, budget templates, and money tools from MyBudget for Australians. Offers tailored budget plans, personal loan calculators, and spending analyzers to help manage money, pay off debt, and achieve savings goals.
AtelierWealth Budget and Property Investor Planner
Hybrid budgeting and financial planning calculator for Australian property investors; combines income, expense, home loan, and investment tracking.
The real products, as published.
Run the numbers here, then compare against what every provider actually publishes under the Consumer Data Right, refreshed nightly.
Questions Australians actually ask the AI.
Drawn from real conversations with the Budgeting Assistant. Click any to open it in chat.
How does budgeting work in Australia?
Our budgeting calculators apply the same formulas, brackets and buffers that banks and the ATO use internally. We update assumptions weekly from RBA, APRA and ATO releases. Run the math →
Are the numbers reliable?
Yes—every calculation is auditable. We show the working, and the rates come from what every bank publishes under the Consumer Data Right, the RBA cash rate and ATO 2026 brackets. They're estimates, not advice. Run the math →
Do I need to sign up?
No. There are no signups and no upsells. The calculators run in your browser — only a question you choose to send the assistant leaves it. We earn nothing from any bank or product. The math is the product. Run the math →
What can the AI assistant do?
Ask questions in plain English. The assistant runs the calculators live, cites the formulas, and explains the result in your situation—linking back to the underlying tools. Run the math →