Budgeting calculators

Budgeting calculators for Australian households: split your income, set savings goals, build an emergency fund and cut your electricity bill.

5 calculators, free and with no sign-up. Every result shows its working.

Open the 50/30/20 Budget Planner See all 5

Where should a month's pay go?

The 50/30/20 rule: half on needs, 30% on wants and 20% on savings or paying off debt.

Pay after tax, a month$5,500

$1,100to save or pay off debt each month

Needs $2,750
Wants $1,650
Savings $1,100

Kept up for a year, that's $13,200 saved.

See it by the week and against other splits

The figures today

Inflation4.3%Year to September 2026, ABS Highest savings rate5.75%Typical of 73 banks: 4.85%National minimum wage$26.44 an hour$1,004.90 for a 38-hour week

The calculators, by what they answer

Planning your money

Your bills

Electricity Bill OptimizerYour bill against the cheapest plans published in your state

Every bank's best savings and term deposit rate today

Read from each institution on 7 November 2026

Typical 4.85%

0%1%2%3%4%5%

Big four: CommBank 5.25%, Westpac 5.25%, NAB 5.50%, ANZ 4.35%Everyone else, 73 in all

Base plus any bonus, when its conditions are met. One dot per institution, at its highest savings rate anyone can apply for; hover or tap a dot for its name.

The figures in full

Prices rose 4.3% in the year to September 2026, going by the ABS's monthly measure. The trimmed mean, which leaves out the biggest price swings, was 3.6%.

As of 7 November 2026, the highest savings rate is 5.75%, from Defence Bank Limited's iSaver, while the typical best across 73 institutions is 4.85%. The highest 12-month term deposit rate is 5.75%, from Suncorp Bank's Term Deposit, while the typical best across 65 institutions is 5.30%.

Inflation by city and spending group Savings rates Term deposit rates

The real products and rates

Run the numbers here, then see what's actually on offer: every product, policy or payment rate, as its provider or the government publishes it.

Savings account rates and bonus conditions830 productsBase and bonus rates with the conditions attached, from every bank.Every electricity and gas plan, by state20,564 plansSupply and usage charges, solar feed-in, discounts and contract terms for every plan retailers publish.

Questions these calculators answer

What is the 50/30/20 rule?: A rule of thumb for splitting your after-tax income: 50% on needs, 30% on wants and 20% on savings or paying down debt. Open the 50/30/20 Budget Planner
How does this planner work?: Currencies your net income and outgoings into annual and monthly summaries, highlighting surpluses, shortfalls, and time to savings goals. Open the Wage Calculator Budget Planner
How long will my emergency fund last?: Divide the balance by your essential monthly spending: $15,000 lasts five months at $3,000 a month. Cutting back to essentials stretches it, and any income still coming in, such as a partner's pay or a Centrelink payment, stretches it further. Open the Emergency Fund Calculator
How much should I have in an emergency fund?: Moneysmart suggests about three months of expenses (rent or mortgage, food, utilities, insurance, transport), and more if you're planning further ahead or expect time off work. The emergency fund calculator works out the amount for your spending. Open the Savings Goal Calculator