Budget planner
See where your money goes and how you compare to 50/30/20.
This calculator gives estimates for general education only, based on the assumptions shown and 2026–27 rules. It isn't financial advice and doesn't consider your full situation. Results are a guide, not a guarantee.
Understand the result
Retirement
How much do you need to retire?
Use the ASFA Retirement Standard and your own spending to work out a realistic retirement budget and super target.
InsuranceHealth insurance basics: hospital, extras and tax
Hospital vs extras cover, the Gold to Basic tiers, waiting periods, the Medicare Levy Surcharge and Lifetime Health Cover loading explained.
Loans, Credit & DebtCredit cards and the minimum repayment trap
How credit card interest works, why paying only the minimum can keep you in debt for decades, and simple ways to take back control.