Free Template
Monthly Budget Spreadsheet
A comprehensive Aussie-edition budget tracker built for local tax and super.
Template Content
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): $**
How to Use This Budget
- 1
Gather your bank statements from the last 30 days.
- 2
Enter your total take-home pay (use our calculator if you're not sure).
- 3
List all your necessary 'Needs' first—these are non-negotiable.
- 4
Track your 'Wants'—this is where most people can find savings.
- 5
Allocate a specific amount to 'Goals'—pay your future self first!
- 6
Aim for the 50/30/20 rule: 50% Needs, 30% Wants, 20% Goals.
Pro Tips
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.
Recommended Resources
Level up your financial clarity with these related tools and guides.
Ivy Sinclair-Wren
Financial Chaos Analyst
Ivy Sinclair-Wren is a Financial Chaos Analyst covering investing, AI, wealth psychology, and the emotional consequences of opening finance apps during market crashes. Based in Melbourne, she specializes in demystifying the Australian tax code and helping users navigate the intersection of spreadsheet logic and human irrationality.