Free Template
A comprehensive Aussie-edition budget tracker built for local tax and super.
Aussie Monthly Budget Tracker ----------------------------- Income (Post-Tax): - Primary Job: $ - Side Hustle: $ - Other: $ **TOTAL INCOME: $** Fixed Expenses (Needs): - Rent / Mortgage: $ - Electricity / Gas: $ - Water: $ - Internet / Phone: $ - Insurance: $ - HECS / Debt Repayments: $ - Groceries: $ - Transport / Petrol: $ **Subtotal Fixed: $** Variable Expenses (Wants): - Dining Out / Takeaway: $ - Entertainment / Subs: $ - Shopping: $ - Gym / Hobby: $ **Subtotal Variable: $** Financial Goals (Future): - Emergency Fund: $ - Retirement / Super: $ - Investments: $ - Large Purchase Savings: $ **Subtotal Goals: $** **REMAINING (Leftover): $**
Gather your bank statements from the last 30 days.
Enter your total take-home pay (use our calculator if you're not sure).
List all your necessary 'Needs' first—these are non-negotiable.
Track your 'Wants'—this is where most people can find savings.
Allocate a specific amount to 'Goals'—pay your future self first!
Aim for the 50/30/20 rule: 50% Needs, 30% Wants, 20% Goals.
Automate your goals: Set up automatic transfers to your savings or investment accounts on payday.
Be honest with 'Wants': It's okay to enjoy your money, as long as it's within your budget.
Review monthly: Your budget isn't static. Adjust it as your income or goals change.
Continue your journey with these related resources.