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Budget Planner
Add up your income and expenses to see what's left each month – the first step to working out what you can afford.
Income
Salary / wages (after tax)
Partner's income (after tax)
Other income
Expenses
Rent / mortgage
Groceries
Utilities (power, gas, water)
Phone & internet
Transport / fuel / public transport
Car costs (rego, insurance, servicing)
Insurance (health, home, life)
Loan & credit card repayments
Childcare / education
Eating out & entertainment
Subscriptions & memberships
Clothing, personal, medical
Holidays & gifts
Monthly surplus$30
Monthly income$6,067
Monthly expenses$6,037
Annual surplus$360
Savings rate0%
Income
Expenses
Lenders look at your real spending across three months of statements – use this planner to see where your money goes before you apply. A consistent monthly surplus is the strongest signal of borrowing capacity.
This calculator provides general estimates only, based on the information you enter and the assumptions shown. It does not take into account your personal circumstances and is not an offer of credit. Lender policies, rates and fees vary. Speak to Start Finance for a personalised assessment.
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