Budgeting & Lifestyle Calculators
Everyday spending, insurance and savings calculators to help your pay go further.
Small daily costs add up to thousands of dollars a year. These calculators put a number on everyday habits, household bills, insurance needs and savings goals, using Australian prices and ASIC Moneysmart budgeting guidance.
Daily spending leaks
Coffee and Lunch Cost Calculator
What daily coffees and bought lunches cost you each year.
Open calculator → FreeSmoking and Vaping Savings Calculator
Money saved by quitting smoking or vaping.
Open calculator → FreeStreaming Subscription Audit Calculator
Total cost of streaming and app subscriptions.
Open calculator → FreeGambling Cost Calculator
What regular gambling spend could have grown into.
Open calculator →Household and milestones
Pet Ownership Cost Calculator
Lifetime cost of owning a dog or cat in Australia.
Open calculator → FreeWedding Budget Planner
Split your wedding budget across venue, catering and more.
Open calculator → FreeEnergy Bill Calculator
Estimate and compare electricity and gas bills.
Open calculator → FreeRent Affordability Calculator
How much rent you can afford on your income.
Open calculator → FreeSolar Payback Calculator
Payback period and savings from rooftop solar and batteries.
Open calculator → FreeDiscount and Sale Price Calculator
Sale price and savings from a percentage discount.
Open calculator →Travel and transport
Public Transport vs Driving Calculator
Compare the yearly cost of commuting by car and transport.
Open calculator → FreeHoliday Budget Planner
Plan a trip budget and daily spending money.
Open calculator → FreeEV vs Petrol Car Cost Calculator
Running costs of an electric car against a petrol car.
Open calculator → FreeCurrency Converter
Convert Australian dollars using RBA exchange rates.
Open calculator →Insurance and protection
Life Insurance Needs Calculator
How much life cover your family may need.
Open calculator → FreeIncome Protection Calculator
Benefit amounts and the tax deductibility of premiums.
Open calculator → FreeHome Contents Insurance Calculator
Check whether your contents are underinsured.
Open calculator →Savings foundations
Emergency Fund Calculator
How much to keep aside for 3, 6 or 12 months of costs.
Open calculator → FreePay Yourself First Budget Calculator
Split each pay into needs, wants and savings.
Open calculator →Explore other calculator sections
Home Loans & Property Calculators
Repayments, borrowing power, stamp duty for every state, and the true cost of buying property in Australia.
View section →Personal Loans, Credit & HECS Calculators
Car loans, credit cards, debt consolidation and HECS-HELP, worked out the Australian way.
View section →Super, Retirement & Wealth Calculators
Superannuation, ASX shares, compound interest and family wealth planning for Australians.
View section →Income Tax & Business Calculators
Take-home pay, tax refunds, deductions, GST and small business tax using current ATO rates.
View section →General information only. Our calculators give estimates based on the inputs you enter and current published rates. They do not consider your objectives, financial situation or needs. See our Disclaimer.