Personal Budgeting
See where your money goes, what is left over and what could change.
All amounts NZD · Examples are editable · Entries stay in this browser session and are not saved
Income
Expenses
Where your money goes
So what does this actually mean?
Your entered budget leaves $1,360 per month. You could put some towards a buffer, debt repayment or longer-term goals.
Your biggest expense is Rent / Mortgage ($2,000), followed by Groceries ($650). 77.3% of income is allocated to expenses and savings.
This is only a snapshot of the figures entered. Try a smaller discretionary expense, then a higher essential bill, and check whether the budget still works.
Understand this tool
What this calculator is showing you
A snapshot of the income and spending you enter. All amounts are converted to an annual basis behind the scenes, so changing the display period does not change your budget.
How to use it
- Choose a period, enter take-home income and expenses for that period, and add any missing categories.
- Include irregular bills by spreading their annual cost across the year.
What the result means
A surplus means entered income exceeds entered expenses. A shortfall means your planned spending needs more money. Savings and investments count as planned outgoings here.
Things this calculator does not know
Missing bills, future price changes, tax not already deducted, debt balances and unplanned emergencies. This is not a bank-connected account balance.
Try changing this
Try reducing one discretionary expense or adding a regular savings amount. Check whether your surplus survives a larger power bill.
Scenario prepared 30/10/2026. Assumptions and results are illustrative.