Budget Planner
Track income vs expenses. See your surplus, deficit, and savings rate.
Income
$
$
Essential expenses
$
$
$
$
$
Lifestyle
$
$
$
$
Savings & investments
$
$
Monthly surplus
+$0
Savings rate: 0.0%
| Category | Total |
|---|---|
| Total income | $0 |
| Essential expenses | -$0 |
| Lifestyle | -$0 |
| Savings & investments | -$0 |
| Total expenses | $0 |
How it works
The 50/30/20 budgeting rule suggests spending 50% of after-tax income on needs (essential expenses), 30% on wants (lifestyle), and 20% on savings and debt repayment. This calculator applies that framework to NZ household budgets.
Formula
Surplus = total income − total expenses. A positive surplus means you're living within your means. A negative surplus (deficit) means expenses exceed income. Your savings rate = savings / income × 100.
Source data