Calculators > Budgeting > Budget calculator

Budget calculator

Making a budget is one of your best tools for getting sorted. This calculator makes it easy – all you need is details of your current spending and income.

You can now add your own notes and tags to each item in your budget. You can also select whether each item is a fixed or changeable amount, then sort your budget by each amount type.

Once you've completed your budget, save it in My Plan so you can review it later. All your details are kept confidential and stored securely on our system.

Category

Amount

Target

Per period

Type

Income

$0.00

$0.00

Net Income

My take home pay (after all deductions)
notes
$
$
My partner's take home pay
notes
$
$
Business income
notes
$
$
Interest / earnings on investments
notes
$
$
Board or rent received
notes
$
$
Superannuation received
notes
$
$
Child support
notes
$
$
Working for Families income
notes
$
$
Benefits/allowance
notes
$
$
Student allowance / loan
notes
$
$
Family help
notes
$
$
Other
notes
$
$

Total for these categories

$0.00

$0.00

Prior to changing your personal finances as a result of this calculation we recommend you view our disclaimer.

Summary

Show figures by:

Tools

Icons

  • Amounts changeable
  • Amounts are fixed
  • Item has notes
  • Add a note to item
  • Add tag to an item
  • Expand category
Login to save to My Plan
My Plan allows you to store your calculations and come back to them at any time. Before you can use My Plan you'll need to register as a user. If you've forgotten your password, we can email you a reminder.
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Notes
  1. Target Amount
    This is the amount you'd like to be getting or spending for any given item in your budget. You may want to earn a certain amount from investments, or increase your wage, or reduce your weekly spending on takeaways for example. By noting your targets for certain items, you can track progress towards your budget goals.
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  2. My take home pay (after all deductions)
    This is the amount of wages or salary you actually receive in your bank account or your pay packet. It's what is left after tax and other deductions like ACC levies, student loan repayments, KiwiSaver employee deductions, and any other compulsory government deductions have been taken out of your gross pay.
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