My budget · where it all goes
Money in, money out, money left.
Pop in your numbers and see what's actually left at the end of the month — and how it stacks up to the 50/30/20 rule of thumb.
Take-home pay
After tax
$
That's $3,033/month coming in.
Where it goes (per month)
Rent / mortgageNeed
$
Power, internet & phoneNeed
$
GroceriesNeed
$
Transport & petrolNeed
$
InsuranceNeed
$
SubscriptionsWant
$
Eating out & funWant
$
ShoppingWant
$
Savings & investingSave
$
Total going out$3,590/mo
Short each month
$557
spending exceeds take-home pay
The 50/30/20 check
Needs88%target 50%
Wants21%target 30%
Savings10%target 20%
⚠️
You’re spending more than you bring in. Trim a "want" or two — even small recurring cuts add up fast (try the Forecaster).
Keep this budget
Your numbers live in this browser only — they'll reset if you clear your data or switch device. Save a copy:
📸Screenshot this page for later — it captures everything above.
Your plan · saved from across Down The Track
Your money moves
🧮
Nothing saved yet
Run a habit on the Forecaster, project your KiwiSaver, or set a first-home goal — then hit Save to My Budget and it lands here as part of your plan.
Start with a habit →Numbers stay in your browser — nothing is saved or sent anywhere. The 50/30/20 guide (50% needs, 30% wants, 20% savings & debt) is a rule of thumb, not a rule. General info to help you plan — not personalised financial advice.