Budget & cashflow

Enter your household income and spending so we can map your cashflow, tax and surplus. Work through the prompts — they're here to help you think of everything. Rough estimates are fine, and any frequency works.

Enter income before or after tax — choose which on each line — and tag whose it is. We work out the tax for you. Please don't enter your Tax File Number, bank account numbers, or ID here.
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Your details
Income — before or after tax

Each source on its own line, tagged to whom. Set Before tax or After tax — if you only know your take-home from your payslip, choose After tax and we'll work out the gross and the tax. Untick "Taxable" for tax-free payments (Centrelink, FTB, child support). Government payments added below start as not taxed — tax offsets usually reduce the tax on these to nil, and we confirm the exact treatment in your full cashflow & tax model (tick "Taxable" on a line if you'd rather include it).

DescriptionWhoseTaxableBasisAmount ($)FrequencyPer year
Income tax — calculated for you, per person
Tax year

Your budget

You

Taxable income—
Income tax—
less Low income tax offset—
Medicare levy (2%)—
Total tax—
Take-home—

Partner

Taxable income—
Income tax—
less Low income tax offset—
Medicare levy (2%)—
Total tax—
Take-home—
Loan & mortgage repayments — usually paid first

Home loan, investment loans, personal & car loans, credit-card repayments. Kept separate from living expenses.

DescriptionAmount ($)FrequencyPer year
Living expenses

Work through each group — tap a heading to expand or collapse it. Mark each line a need or a want; leave anything that doesn't apply blank.

Where your money goes
Total income (gross)—
Total outflow (tax + spending + loans)—
Surplus left over—
Your cashflow summary
Gross income
—
Total tax
—
After-tax income
—
Living expenses
—
Loan repayments
—
Net surplus
—
Emergency fund

A common guide is 3–6 months of essential spending set aside for a rainy day.

Get your results

Thank you

We've received your budget. We'll confirm the figures and map your cashflow, tax and surplus with you at your meeting.

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Your entries stay saved on this device, so you can come back, adjust and resubmit any time.

Make it personal
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Related tools: Income Tax Calculator  ·  Retirement Calculator
Please read this before you act on any number above. This financial calculator is not intended to be relied on for the purpose of making a decision in relation to a financial product, and you should consider obtaining advice from a financial services licensee before making any financial decisions. The assumptions it uses, and its limitations, are set out on this page — please read them, because they change the answer. Separately, any general advice here has been prepared without taking account of your objectives, financial situation or needs; consider whether it is appropriate for you before acting on it.
Tax is calculated on current ATO resident rates including the Medicare levy and Low Income Tax Offset (and, where you indicate, the Medicare Levy Surcharge and HELP/STSL repayments), per person. It is indicative — we confirm exact figures in your full cashflow & tax model. General information only, not personal advice.
Navarino Wealth Pty Ltd (ABN 91 691 312 937) is a Corporate Authorised Representative (No. 1318210), and Luke Smith is an Authorised Representative (No. 377 450), of PFP Financial Services Pty Ltd, AFSL 535484.
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