Christmas Savings Plan Calculator
Work out how much to set aside each week or fortnight to cover your Christmas and holiday spending budget without the debt hangover.
Your results
Calculation breakdown
- Remaining
- Remaining to save = total budget − amount already saved
- Per period
- Amount per period = remaining ÷ number of weeks or fortnights left
Worked example
With a $1,500 Christmas budget, $100 already saved and 20 weeks to go, you'd need to save about $70 a week to be fully funded by December.
Assumptions
- Assumes even contributions each period with no interest earned.
- Ignores any bonus or bulk purchases made ahead of the target date.
How this calculator works
Set a total Christmas or holiday season budget covering gifts, food and travel, then this calculator spreads that amount evenly across the weeks or fortnights remaining until your target date. It's a simple way to avoid relying on credit cards or buy now pay later during the festive season.
Frequently asked questions
What should I include in my Christmas budget?
Typically gifts, food and drink, decorations, travel and any end-of-year celebrations; total these up before using this calculator.
What if I start saving late in the year?
The calculator will show a higher required contribution per period; starting earlier in the year always reduces the pressure per pay.
Can I use this for other annual events?
Yes, it works for any single annual expense with a fixed date, such as a birthday, anniversary or annual insurance renewal.
Editorial review and responsibility
Reviewed by the CalcAussie editorial team on 21 September 2026. Review scope: Method, Australian terminology, material assumptions, source links and user-facing limitations.
Calculator results remain estimates based on the figures entered. Check material decisions against current official information and report a suspected error so it can be reproduced and corrected.
Results are estimates only and are not financial, tax, legal or credit advice.