Free Australian Household Budget Planner

Take control of your household finances with our free Excel budget planner, designed specifically for Australian households.

Plan your household budget

Knowing where your money goes is one of the most useful steps you can take towards living within your means, reducing debt and building your savings.

Our Australian Household Budget Planner gives you a simple way to record your income and expenses and see how your spending compares with your take-home pay.

Download the free Excel budget planner

Download the spreadsheet, enter your own figures and create a household budget that works for you.

Download the Free Budget Planner

Excel spreadsheet (.xlsx) • Free to download

What's included?

The planner includes a comprehensive range of household spending categories, including:

Housing and mortgage or rent
Utilities and household bills
Food and groceries
Transport and car costs
Insurance
Health and medical expenses
Children and education
Debt repayments
Personal expenses
Entertainment and holidays
Pets
Giving and community
Savings and investing
Irregular and annual expenses

See your budget in more than one way

The spreadsheet allows you to enter your monthly budget for individual expenses and see the corresponding annual amounts. It also calculates the proportion of your take-home pay being allocated to different categories.

Budgeting tip: Don't forget irregular expenses such as car registration, insurance, Christmas, holidays, home maintenance and annual bills. Setting aside a monthly amount for these expenses can make your budget much easier to manage.

How to use the budget planner

Download the Excel spreadsheet using the button above.
Enter your gross annual salary in the income section.
Review the expense categories and enter your expected monthly spending.
Add or adjust expenses to reflect your own household.
Review your total household expenses and annual surplus or shortfall.
Look for opportunities to reduce unnecessary spending, increase savings or pay down debt.

Use our calculators alongside your budget

Your budget works best when you know how much money you actually have available to spend. You can use our other calculators to build a more complete picture of your finances.

Important information

The budget planner is provided as a general budgeting and planning tool. The recommended category percentages are budgeting guidelines created for this template and are not official Australian Government recommendations or personal financial advice.

Your household budget should reflect your own circumstances, priorities, income and expenses.

The spreadsheet includes assumptions relating to the 2026–27 Australian resident income tax framework and a simplified Medicare levy estimate.

For an individual tax calculation or financial advice specific to your circumstances, consider consulting an appropriately qualified professional.