Calculator
Household Budget
Build a complete monthly household picture. Surplus drives both serviceability and what you can throw at the next deposit.
Export
Monthly surplus / (deficit)
$4,690
Annualised: $56,280
Total income
$12,700
Total expenses
$8,010
Savings rate
36.9%
Target 20%
Status
On track
Spend by category
- Housing$3,880 · 48%
- Utilities & Comms$560 · 7%
- Transport$700 · 9%
- Living$2,170 · 27%
- Debt & Savings$700 · 9%
Lenders apply HEM benchmarks even if your declared expenses are lower. Padding the grocery and lifestyle line items honestly here helps you reality-check what a bank will actually allow.
General information only. Calculations are indicative, based on simplified rules current at FY2024–25, and exclude items such as foreign buyer surcharges, off-the-plan concessions, principal-place-of-residence rules and lender policy variation. Always verify with your accountant, broker and the relevant State Revenue Office calculator before transacting.