Budgeting and savings calculators for Australia
Plan a budget, and see how regular saving and compound interest grow your money.
- 6 free calculators
- Updated for 2026–27
- Official figures, no sign-up
Calculators
- Compound Interest See what regular saving and compound interest add up to over time.
- Savings & Term Deposit Interest on a savings account or term deposit, and what’s left after tax.
- Budget Split your take-home pay with the 50/30/20 rule, and see where your money goes.
- Inflation What money from any year is worth today, from official price data.
- Net Worth Add up what you own and what you owe, and see what you’re worth.
- Savings Goal How much to save each month to reach a goal, or how long it will take.
Guides
All Australia guides- Money basics Banking basics in Australia: everyday accounts and savings How everyday and savings accounts work in Australia, what to look for, how the government guarantee protects your deposits and how to avoid fees. Read the guide
- Investing Capital gains tax in Australia: the discount and 2027 change How capital gains tax works in Australia: the 50% discount, the main residence exemption, losses, and the change to the discount announced for July 2027. Read the guide
- Money basics Emergency fund in Australia: how much and where to keep it Why an emergency fund comes first, how to work out yours, where to keep it in Australia (a savings or offset account) and how to build it. Read the guide
- Investing Index funds vs picking stocks in Australia: why go passive What an index fund or ETF is, why most Australian fund managers fail to beat the ASX 200, what fees cost you in and outside super, and how to start. Read the guide
- Money basics How to make a budget in Australia (the 50/30/20 rule) A simple way to budget in Australia: start from your take-home pay, use the 50/30/20 rule, plan for yearly bills like rego, and automate it. Read the guide
- Investing Investing basics: super, ETFs and getting started What investing is, how shares, bonds and index ETFs work, how your super already invests for you, and how to start investing outside super in Australia. Read the guide