Fortnightly Income$0.00

Total Expenses$0.00

Surplus / Deficit$0.00

Private • No Data Saved

BudgetCalc.com.au

A fast, private budget tool for the modern Aussie. All calculations happen instantly on your device.

Income & Centrelink

JobSeeker

Parenting Payment

Age Pension

Rent Assistance

Carer Allowance

Mobility Allowance

Energy Suppl.

FTB Part A

FTB Part B

Youth Allowance

Other Income / Wage

Total fortnightly: $0.00

Expenses

Rent / Mortgage

Utilities

Groceries

Transport / Fuel

Phone / Internet

Health / Meds

Debt Repayments

Inflation Stress Test +0% Spikes

Total expenses: $0.00

Analysis & Goals

Spend Ratio

0%0%100%

Savings Goal ($)

Select "Show Emergency Runway" to see your safety targets.

Quick Actions

Take control of your budget with these specialized tools and guides.

Premium Strategy Guide

The Australian Budget Survival Toolkit

Practical Strategies for Financial Peace of Mind in the Modern Australian Economy

Ready to beat cost-of-living pressures and turn your calculator results into real-world momentum? This comprehensive roadmap breaks down defensive money habits, inflation hacks, and actionable frameworks to secure your financial runway.

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Featured Guide

The Centrelink Cheat Sheet: Which Payment Are You Missing?

G'day! One thing I’ve noticed over 20 years of helping people is that the Centrelink system is built like a maze. Sometimes we’re so busy just trying to survive the fortnight that we don't realize there’s an extra payment we’re actually entitled to.

If you suspect you are missing out, your best first step is to visit the official Services Australia Centrelink page to check your eligibility.

Rent Assistance: If you're paying rent to a private landlord and you already get a payment like JobSeeker or FTB, you might be eligible for this extra top-up.
Carer Allowance: This is a supplementary payment for those caring for a family member with a disability or a frail aged parent.
Mobility Allowance: For those with a disability that prevents them from using public transport without help.
The Low Income Health Care Card: Slashes utility bills and medicine costs.

Don't leave money on the table. If you see something here that fits your life, it’s worth a call to Services Australia.

Latest Insights & Guides

Smart Financial Defences for Everyday Aussies

How to Maximise Rent Assistance on a JobSeeker Payment

Most people only get part of what they're owed because Centrelink recalculates Rent Assistance whenever your lease or share-house arrangement changes. This guide covers exactly what paperwork to lodge and when to update your details so payments don't lag behind your actual rent.

Read Guide →

The Hidden Utility Concessions QLD Pensioners Miss Every Year

Queensland's electricity, medical, and solar rebates for pensioners aren't always applied automatically — some depend on which concession card you hold and whether your retailer has the right details on file. Here's how to check you're getting every rebate you're entitled to.

Read Guide →

How to Set Up a Fortnightly Sinking Fund for Car Registration

Rego, insurance, and services don't come out of your pay cycle evenly, which is why they always feel like they hit at the worst time. This guide walks through setting aside a small fixed amount each fortnight so the bill is already covered when it lands.

Read Guide →

Defensive Grocery Shopping: Beating Supermarket Inflation

Unit pricing labels are legally required in Australian supermarkets but easy to miss between brands and pack sizes. This guide shows how to compare properly, spot loyalty-program traps, and keep the weekly shop down without cutting into what you actually eat.

Read Guide →

Why It's Built This Way

Why This Calculator Doesn't Ask for Your Bank Login

A lot of budgeting apps ask you to link your actual bank account before you can even see a summary. That's understandable for apps that auto-categorise your transactions, but it's overkill for a simple fortnightly budget check — and it means a third party now has a live feed of your income and spending.

This tool works differently: every number you type in stays in your browser. There's no login, no bank connection, and nothing sent to a server. Close the tab and the numbers are gone — refresh the page and you start from scratch. The trade-off is you'll need to re-enter your figures each visit rather than having them saved automatically, but for a quick "am I in front or behind this fortnight" check, that's a fair swap for not handing your financial details to another company.

FAQ

Common Questions

Are the Centrelink payment amounts on this page official?

No — the input fields are blank templates for you to fill in with your own Centrelink statement figures. Rates change regularly and vary by individual circumstances, so always confirm your actual entitlement on your Centrelink account or the Services Australia website rather than relying on any default value shown here.

What does the "Inflation Stress Test" slider actually do?

It recalculates your expense total as if your bills rose by the percentage you select. It's a quick way to see how much buffer you'd have left if groceries, fuel, or utilities jumped in cost over the next few fortnights, without having to redo your budget from scratch.

Where does the "Emergency Runway" target come from?

It takes your fortnightly expenses, converts them to a monthly figure, and shows what 1, 3, and 6 months of that spending would cost — a common rule of thumb for how large an emergency fund to aim for, not a personalised recommendation.

Does closing the tab delete my numbers permanently?

Yes. Nothing is saved to a server or a account, so once you navigate away or close the tab, everything you entered is gone. If you want to keep a copy, take a screenshot or jot the totals down before you leave the page.