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How much can I save each month, and when could I reach my goal?

See where your monthly cash goes and what remains.

These are example figures

Change any of them and the answer updates straight away.

What comes in?

Enter gross pay for each person. We estimate take-home pay using the 2025–26 tax settings.

Salary and wages

Enter gross pay before tax. Add another person if you share a budget.

  1. Person 1

What goes out?

Enter the amount you usually pay, then choose how often you pay it.

Regular expenses

Need is essential spending; Want is optional; Grow is investing; Own is an asset holding cost.

  1. Expense 1 · Rent
  2. Expense 2 · Groceries
  3. Expense 3 · Transport

What are you saving for?

Your goal is optional. We use the monthly amount left over to estimate the time needed.

Savings goal
  1. Goal · Emergency fund

Other income

Include other income only after any tax and property costs have been allowed for.

Other income after tax

No income rows yet.

Available to save each month

$2,701

Your answer

Available to save each month

$2,701

After tax and the expenses you entered

Saving $2,701 a month could get you to “Emergency fund” in 3 months.

After-tax income
$5,301
Per month
Expenses
$2,600
Per month
Savings rate
51%
Share of after-tax income
Time to goal
3 months
$8,000 still to save

Where your money goes

Per month
Monthly spending by category, based on the expenses you entered.

Monthly cash flow

Take-home pay
$5,301
Other income after tax
$0
Total income
$5,301
Expenses
$2,600
Left to save
$2,701

Salary tax and deductions, yearly

Gross pay
$80,000
Income tax
$14,788
Medicare levy
$1,600
Take-home pay
$63,612

Spending by category, monthly

Rent69%
$1,800
Groceries23%
$600
Transit8%
$200

  • Tax year

    2025–26, the latest year in the production income tax table

    Same as A.R.I.

  • Frequency

    ARI annual factors: 52 weekly, 26 fortnightly, 12 monthly, 4 quarterly

    Same as A.R.I.

  • Other income

    Entered after tax; rental cashflow must be resolved by Portfolio before prefill

    To confirm

  • Goal timing

    Constant surplus, no interest, inflation or existing commitments

    Reference

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  • Save your scenarios

    Keep this budget and compare it with future spending.

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