How-to-useBudget plannerSummaryIncomeOutgoingsWhat's LeftHOW
TO USEShow results$108,00000ProgramsIncome you can save Excel file
to your own computerIncome$108,000 you need Microsoft Office 2003
or higher (Excel)0$00Total
income:$108,0000$15,27500$15,3000CustomisingOutgoings0$1,750Select0
you can choose how often you receive income or pay expenses using
the dropdown list in the frequency columnFinancial
comm.$00$02Weekly0 you can customise the labels in the spreadsheet
to better suit your needs by renaming existing
fieldsHome$15,2750$03Fortnightly0Utilities$15,3000$04Monthly0NOTE:
Altering the budget planner (eg. adding rows/columns) may result in
incorrect
outputsEducation$1,7500$05Quarterly0Health$00$06Annually0Shopping$000$0FeedbackTransport$000$0We
welcome all feedback. Send feedback via the website form
(www.moneysmart.gov.au/feedback) or use theEntertainment$0feedback
options on the Budget Planner webpageEating out$0Total
outgoings:$32,325This original version of this budget planner is
published on www.moneysmart.gov.au and is subject to
copyright.What's left:$75,675$108,000per quarter[Version: 2.00 -
Sept 2011]$32,325$0Source: www.moneysmart.gov.au
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Financial commitments
Home / utilities
Education / health
Shopping / transport
Entertainment / eating out
Income
Results
Source: www.moneysmart.gov.au
IncomeBudget plannerSummaryIncomeShow
resultsFrequencyAmountQuarterly AmountYour take-home
pay$30,000$90,000Income3Your partner's take-home
pay$0$0Income$108,0003Bonuses/overtime$36,000$9,000Total
income:$108,0005Income from savings and
investments$36,000$9,0005OutgoingsSelect# in a yearAmountCentrelink
benefits$0$0Financial comm.$01Weekly52Weekly2Family benefit
payments$0$0Home$15,2752Fortnightly26Fornightly2Utilities$15,3003Monthly12MonthlyChild
support
received$0$0Education$1,7504Quarterly4Quarterly3Other$0$0Health$05Annually1Annual3Total$108,000Shopping$0Transport$0Entertainment$0Eating
out$0Total outgoings:$32,325What's left:$75,675per quarterSource:
www.moneysmart.gov.au
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Financial commitments
Home / utilities
Education / health
Shopping / transport
Entertainment / eating out
Income
Results
Source: www.moneysmart.gov.au
Financial-CommitmentsBudget plannerSummaryFinancial
CommitmentsShow resultsFrequencyAmountQuarterly AmountRent /
Mortgage$0Income1Car loan repayments$0$0Income$108,0003Other loan
repayments$0$0Total income:$108,0003Credit card
interest$0$03OutgoingsSelect# in a yearAmountVoluntary super
contributions$0$0Financial
comm.$01Weekly52Weekly2Savings$0$0Home$15,2752Fortnightly26Fornightly2Utilities$15,3003Monthly12MonthlyChild
support payments$0$0Education$1,7504Quarterly4Quarterly3Donations /
Charity$0$0Health$05Annually1Annual3Shopping$0Pocket
money$0$0Transport$01Type in your own
expense$0$0Entertainment$03Total$0Eating out$0Total
outgoings:$32,325What's left:$75,675per quarterSource:
www.moneysmart.gov.au
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Financial commitments
Home / utilities
Education / health
Shopping / transport
Entertainment / eating out
Income
Results
Source: www.moneysmart.gov.au
Home-UtilitiesBudget plannerSummaryHomeShow
resultsFrequencyAmountQuarterly AmountCouncil
rates$100$25Income5Body Corporate fees$0$0Income$108,0003Home and
contents insurance$0$03Home maintenance and repairs$3,000$750Total
income:$108,0005New furniture /
Appliances$10,000$2,5005Other$4,000$12,000OutgoingsSelect# in a
yearAmount3Total$15,275Financial
comm.$01Weekly52WeeklyUtilitiesHome$15,2752Fortnightly26FornightlyUtilities$15,3003Monthly12MonthlyElectricity$1,000$3,000Education$1,7504Quarterly4Quarterly3Gas$1,000$3,000Health$05Annually1Annual3Water$400$1,200Shopping$03Internet$500$1,500Transport$03Pay
TV$400$1,200Entertainment$03Home phone$500$1,500Eating out$03Mobile
phone(s)$300$9003Type in your own expense$1,000$3,000Total
outgoings:$32,3253Total$15,300What's left:$75,675per quarterSource:
www.moneysmart.gov.au
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Financial commitments
Home / utilities
Education / health
Shopping / transport
Entertainment / eating out
Income
Results
Source: www.moneysmart.gov.au
Education-HealthBudget plannerSummaryEducationShow
resultsFrequencyAmountQuarterly AmountSchool
fees$5,000$1,250Income5Uni / TAFE$0$0Income$108,0005Childcare /
Pre-school$0$01School uniforms$1,000$250Total
income:$108,0005Sport, music, dance,
etc$1,000$2505Excursions$0$0OutgoingsSelect# in a
yearAmount3Other$0$0Financial
comm.$01Weekly52Weekly3Total$1,750Home$15,2752Fortnightly26FornightlyHealthUtilities$15,3003Monthly12MonthlyEducation$1,7504Quarterly4QuarterlyPrivate
health insurance$0$0Health$05Annually1Annual3Life
insurance$0$0Shopping$03Doctors$0$0Transport$05Dentists$0$0Entertainment$05Medicines
/ Pharmacy$0$0Eating out$05Eyecare / Glasses$0$05Vet$0$0Total
outgoings:$32,3255Type in your own expense$0$03Total$0What's
left:$75,675per quarterSource: www.moneysmart.gov.au
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Financial commitments
Home / utilities
Education / health
Shopping / transport
Entertainment / eating out
Income
Results
Source: www.moneysmart.gov.au
Shopping-TransportBudget plannerSummaryShoppingShow
resultsFrequencyAmountQuarterly AmountSupermarket$0$0Income1Fruit /
Veg$0$0Income$108,0001Baby products$0$01Clothing / Shoes$0$0Total
income:$108,0003Cosmetics /
Toiletries$0$03Hairdresser$0$0OutgoingsSelect# in a
yearAmount4Gifts and others$0$0Financial
comm.$01Weekly52Weekly3Other food and
grocery$0$0Home$15,2752Fortnightly26Fornightly1Total$0Utilities$15,3003Monthly12MonthlyTransportEducation$1,7504Quarterly4QuarterlyHealth$05Annually1AnnualCar
insurance$0$0Shopping$05Car maintenance$0$0Transport$05Car rego /
Licence$0$0Entertainment$05Petrol$0$0Eating out$02Road tolls /
Parking$0$03Trains / Buses / Ferries$0$0Total
outgoings:$32,3251Type in your own expense$0$03Total$0What's
left:$75,675per quarterSource: www.moneysmart.gov.au
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Financial commitments
Home / utilities
Education / health
Shopping / transport
Entertainment / eating out
Income
Results
Source: www.moneysmart.gov.au
Entertainment-Eating-OutBudget plannerSummaryEntertainmentShow
resultsFrequencyAmountQuarterly AmountHolidays$0$0Income5Bars /
Clubs$0$0Income$108,0001Other alcohol$0$01Gym / Sporting
membership$0$0Total income:$108,0003Cigarettes$0$01Movies /
Music$0$0OutgoingsSelect# in a yearAmount2Hobbies$0$0Financial
comm.$01Weekly52Weekly2Newspaper /
Magazines$0$0Home$15,2752Fortnightly26Fortnightly1Celebrations$0$0Utilities$15,3003Monthly12Monthly5Other$0$0Education$1,7504Quarterly4Quarterly3Total$0Health$05Annually1AnnualEating
outShopping$0Transport$0Restaurants$0$0Entertainment$03Takeaway /
Snacks$0$0Eating out$01Bought lunches$0$01Coffee / Tea$0$0Total
outgoings:$32,3251Type in your own expense$0$03Total$0What's
left:$75,675Overall Summary freq4per quarterSource:
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Financial commitments
Home / utilities
Education / health
Shopping / transport
Entertainment / eating out
Income
Results
Source: www.moneysmart.gov.au
ResultsABudget plannerSummaryIncomeOutgoingsWhat's
LeftSummaryShow results$108,00000Your budget position:IncomeYou are
spending $75,675 per quarter less than you
earn.Income$108,000Congratulations!0$00Total
income:$108,0000$000$00Your spending
breakdownOutgoings0$15,275Select0Financial
comm.$00$15,3001Weekly0Financial commitmentsSpending
breakdownHome$15,2750$1,7502Fortnightly0Home / UtilitiesFinancial
commitments0Utilities$15,3000$03Monthly0Education / HealthHome /
Utilities30575Education$1,7500$04Quarterly0Shopping /
TransportEducation / Health1750Health$00$05Annually0Entertainment /
Eating outShopping / Transport0Shopping$000$0Entertainment / Eating
out0Transport$000$0Entertainment$0Eating out$0Next steps:1) Do a
reality check. Is your bank account going up each month? If the
results don't match, track your actualTotal
outgoings:$32,325quarterspending in more detail. The money is going
somewhere!1week2) If you have spare money each month, think how
best to use it, e.g.2fortnighti) repay any loans fasterWhat's
left:$75,6753monthii) put money into a special savings accountper
quarter4quarter3) Print your plan.5yearSource:
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Results
Financial commitments
Home / Utilities
Education / Health
Shopping / Transport
Entertainment / Eating out
PrintPRINT FORMATUse Excel's toolbar to print this pageBudget
plannerIncomeOutgoingsWhat's LeftSummarySummaryQuarterly
Amount1Total income:$108,000Total outgoings:$32,325What's
left:$75,675Your budget position:You are spending $75,675 per
quarter less than you earn.Congratulations!0$000$30,5750Your
spending breakdown0$0Select00$02Weekly00$00Your spending
breakdownQuarterly AmountFinancial commitments$0Spending
breakdown0$03Fortnightly0Home / Utilities$30,575Financial
commitments$00$04Monthly0Education / Health$1,750Home /
Utilities$30,5750$05Quarterly0Shopping / Transport$0Education /
Health$1,7500$06Annually0Entertainment / Eating out$0Shopping /
Transport$000$75,675Entertainment / Eating out$000$0Next steps:1)
Do a reality check. Is your bank account going up each month? If
the results don't match, track your actualspending in more detail.
The money is going somewhere!2) If you have spare money each month,
think how best to use it, e.g.i) repay any loans faster$108,000ii)
put money into a special savings accountiii) increase your
contributions to superannuation or other investments$32,3253) Print
your plan.Your detailed budgetIncomeFrequencyAmountQuarterly
AmountNotesYour take-home payMonthly$30,000$90,000Your partner's
take-home payMonthlyBonuses/overtimeAnnually$36,000$9,000Income
from savings and investmentsAnnually$36,000$9,000Centrelink
benefitsFortnightlyFamily benefit paymentsFortnightlyChild support
receivedMonthlyOtherMonthlyFinancial
CommitmentsFrequencyAmountQuarterly AmountRent / MortgageWeeklyCar
loan repaymentsMonthlyOther loan repaymentsMonthlyCredit card
interestMonthlyVoluntary super
contributionsFortnightlySavingsFortnightlyChild support
paymentsMonthlyDonations / CharityMonthlyPocket moneyWeeklyType in
your own expenseMonthlyHome / UtilitiesFrequencyAmountQuarterly
AmountCouncil ratesAnnually$100$25Body Corporate feesMonthlyHome
and contents insuranceMonthlyHome maintenance and
repairsAnnually$3,000$750New furniture /
AppliancesAnnually$10,000$2,500OtherMonthly$4,000$12,000ElectricityMonthly$1,000$3,000GasMonthly$1,000$3,000WaterMonthly$400$1,200InternetMonthly$500$1,500Pay
TVMonthly$400$1,200Home phoneMonthly$500$1,500Mobile
phone(s)Monthly$300$900Type in your own
expenseMonthly$1,000$3,000Education /
HealthFrequencyAmountQuarterly AmountSchool
feesAnnually$5,000$1,250Uni / TAFEAnnuallyChildcare /
Pre-schoolWeeklySchool uniformsAnnually$1,000$250Sport, music,
dance, etcAnnually$1,000$250ExcursionsMonthlyOtherMonthlyPrivate
health insuranceMonthlyLife
insuranceMonthlyDoctorsAnnuallyDentistsAnnuallyMedicines /
PharmacyAnnuallyEyecare / GlassesAnnuallyVetAnnuallyType in your
own expenseMonthlyShopping / TransportFrequencyAmountQuarterly
AmountNotesSupermarketWeeklyFruit / VegWeeklyBaby
productsWeeklyClothing / ShoesMonthlyCosmetics /
ToiletriesMonthlyHairdresserQuarterlyGifts and othersMonthlyOther
food and groceryWeeklyCar insuranceAnnuallyCar
maintenanceAnnuallyCar rego / LicenceAnnuallyPetrolFortnightlyRoad
tolls / ParkingMonthlyTrains / Buses / FerriesWeeklyType in your
own expenseMonthlyEntertainment / Eating
outFrequencyAmountQuarterly AmountHolidaysAnnuallyBars /
ClubsWeeklyOther alcoholWeeklyGym / Sporting
membershipMonthlyCigarettesWeeklyMovies /
MusicFortnightlyHobbiesFortnightlyNewspaper /
MagazinesWeeklyCelebrationsAnnuallyOtherMonthlyRestaurantsMonthlyTakeaway
/ SnacksWeeklyBought lunchesWeeklyCoffee / TeaWeeklyType in your
own expenseMonthlyNotes$75,675Source: www.moneysmart.gov.au
Financial commitments
Home / utilities
Education / health
Shopping / transport
Entertainment / eating out
Income
Results
Print