A BIGGER PICTURE FOR NEW ZEALAND
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FINANCIAL TOOLS / Everyday money

Monthly budget

Make the gap between monthly take-home income and spending visible.

Make it your own

Start with an example, then change any value. Enter 0 for none; a blank field cannot be calculated. All money amounts are NZD.

Your entries stay in this calculator. They are not saved or sent anywhere.

Your estimate

Monthly budget surplus

$1,100.00

This is what remains before any spending or savings commitments you have not included.

Monthly take-home income
$7,000.00
Monthly spending
$5,900.00

What this estimate assumes

  • All entries use the same monthly period and the same person or household. Income is after tax; no tax is calculated.
  • Enter each cost once. Include irregular annual expenses as a monthly allowance. Savings transfers are not expenses unless you choose to include them.
  • A negative result is a budget deficit, not zero available cash.

For information only, not financial advice. These simplified estimates do not consider your full circumstances. Assumed rates are not forecasts or guaranteed returns. Talk to a financial adviser before making financial decisions.

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