Budget Planner

Take control of your spending with our budget planner. It’ll help you work out where your money goes and see if you can start saving more.

Before you start

Gather up bills, bank and credit card statements or transaction history (digital or paper) for the last 3 months.

Try to include cash purchases – and any annual payments, like car insurance – that might not show up on your transaction history, to create a clear picture of your spending.

We’ve used the 50-30-20 budget rule as a guide to help you assess your spending. It’s just a guide, but the idea is you should spend 50% of your income on needs (essentials), 30% on wants (non-essentials) and 20% on savings, or paying off debt.

Budget planner

Tell us a bit about yourself and your financial situation.

Monthly income after tax




Media and Entertainment

Debt repayments

Other essentials

Lifestyle costs



Total income


Total outgoings


Money leftover


Essential spend


Non-essential spend




If you have money left over at the end of each month, great. Try to put it to use, whether that’s repaying debt, building your emergency fund or saving towards another goal.

Now you’ve worked out your budget, it’s time to start planning!

Next steps

Not sure where to start? No problem. Visit our everyday budgeting page to help you take that first step.

Book your financial health check with one of our financial fitness trainers.

Want to review your budget and get your financial fitness score?

Answer some quick questions about your spending, saving and borrowing to generate your own financial fitness score.

It's easy to answer your query online. Visit our Help page to find out how.

Need help?

Get in touch to learn more about our banking solutions