Household Budget Calculator
Add up household income against housing, utility, grocery and other regular costs to see your monthly surplus or shortfall.
Your results
Calculation breakdown
- Surplus
- income − (housing + utilities + groceries + other)
Worked example
Income of $8,000 against $2,200 housing, $400 utilities, $900 groceries and $1,000 other costs leaves a $3,500 monthly surplus.
Assumptions
- Irregular annual costs should be divided by 12 and included in 'other' for accuracy.
How this calculator works
Enter your household's monthly income alongside housing, utilities, groceries and other regular costs to see your total spend and the surplus or shortfall left over each month.
Frequently asked questions
Should I include irregular expenses like car rego?
Divide any annual or irregular costs by 12 and include them in 'other costs' for a more realistic monthly picture.
What if my expenses exceed my income?
The calculator will show a negative surplus, highlighting a shortfall you may need to address by reducing costs or increasing income.
Does this include savings contributions?
You can add regular savings transfers as one of your expense categories if you want to treat them as a committed cost.
Results are estimates only and are not financial, tax, legal or credit advice.