FunanceBills on the month they land
Annual and quarterly costs go in on the month they are due, rather than being smeared into a monthly average that never matches your bank balance.
Free budget planner for Australian householdsA budget that survives contact with a real month.
Put in your pay and your bills. See what is really left in each of the next twelve months, including the ones where rego, insurance and the water bill all land at once.
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login
Your tightest month: November
$845 short
An average month leaves $898, but two months go backwards: November and August. Put $586 a month aside and they stop being a surprise.
November: $2,330 of bills (Home and contents insurance, Council rates). $845 short.
Show every month as a table
| Month | Irregular bills | Left over |
|---|---|---|
| November | $2,330 | −$845 |
| December | — | $1,485 |
| January | $290 | $1,195 |
| February | $480 | $1,005 |
| March | $865 | $620 |
| April | $290 | $1,195 |
| May | $480 | $1,005 |
| June | — | $1,485 |
| July | $290 | $1,195 |
| August | $1,720 | −$235 |
| September | — | $1,485 |
| October | $290 | $1,195 |
- Take-home pay, per month
- $9,528
- Regular spending, per month
- −$8,043
- Irregular bills, per year
- $7,035
- Set aside for them, per month
- $586
- Needed up front this year
- $1,744
- Left in an average month
- $898
A budget built on an average month says you are $1,485 ahead every month. In November you are $845 behind. Setting $586 aside each month covers it, with $1,744 in the pot up front because a big bill lands before the set-aside has built up.
Keep this plan, and track it
Save it to a Funance account and these numbers become your Budget tab: each bill on the month it lands, planned against actual as the year goes.
Starts your 14 days of Pro, no card, no bank login. During the trial your numbers sync to our Sydney database so they follow you across devices, unless you turn sync off from the account menu; on the free plan they stay in this browser.
Or get the tax and rate changes by email
Get the rule changes by email
A short note when tax rates or thresholds move. Confirmed opt-in, a couple of emails a month at most.
The problem with a category budget is that it describes an average month, and there is no such thing. Rego, insurance, school fees and the quarterly water bill do not average out. They arrive.
So the planner above does not average them. Each bill sits on the month it is due, and the answer is your tightest month rather than a tidy monthly figure that is only true when nothing happens.
It starts from your salary, not a guess at take-home pay. Funance works out tax on 2026-27 ATO rates with the , and repayments, and for couples it does it per partner, because Australia taxes individuals.
Then the Budget tab tracks what actually happens, line by line, and keeps the history. After two or three months you stop guessing at your grocery number and start reading it. On a phone, ticking off a bill takes about ten seconds.
−$1,050
July left $1,050 less than the plan said it would.
$865 of that is the rego, which was always coming in July. Groceries and the water bill were another $345, and everything else came in $160 under. Because each line keeps its plan and its actual, you can see which one moved and fix August's number, not just feel worse about July.
On a laptop: planned, actual and the gap
JulyPlanned vs actual
| Line | Planned | Actual | Diff |
|---|---|---|---|
| Income | |||
| Salaries, combined | 8,600 | 8,600 | 0 |
| Spending | |||
| Mortgage Paid | 2,400 | 2,400 | 0 |
| Groceries Paid | 1,000 | 1,180 | −180 |
| Utilities and water Overdue | 320 | 485 | −165 |
| Car rego Due 26th | 0 | 865 | −865 |
| Everything else | 2,100 | 1,940 | +160 |
| Left over | 2,780 | 1,730 | −1,050 |
On a phone: what's still owing
To pay · July$1,350 left
Utilities and wateroverdue · due 19th$485
Car regodue 26th · once a year$865
Mortgagepaid 15th$2,400
Groceriespaid weekly$1,180
Illustrative figures for a two-income household. Not real user data.
Your July will look different. That is the point.
Plan the year above, then track each month against it. Every account starts with 14 days of Pro, no card, and the Budget tab stays free for good.
How it works
How it is put together
Planned against actual, every line
Every line carries both numbers and the difference between them, with month-by-month history. The point is not to be under budget everywhere, it is to know which line moved and why.
Take-home pay worked out properly
Gross salary in, take-home out, on 2026-27 ATO rates. For couples it is calculated per partner, and shared costs can be split between you on every line.
A phone view for bills
Opens straight into what is still owing and what is overdue, with one tap to mark it paid. Full planning stays on the laptop where it belongs.
Free, for good
- The full Budget tab, plus Overview and Debts
- Bills, actuals and variance, with month-by-month history
- Overdue flagging on the phone view
- PDF and CSV export of any month
Questions
Before you start
Is the budget planner free?
Yes. The planner on this page is free with no signup. In the app, the Budget tab is on the free plan for good, alongside Overview and Debts, with no card required. Pro adds eight more tabs for $79 a year or $9.90 a month, and every account starts with 14 days of it, no card.
Do I have to categorise every transaction?
No. Funance is a planner rather than a transaction tracker, so you enter category totals instead of coding individual purchases. Most households update it once a week in a few minutes.
How do annual bills like rego work?
They go in on the month they actually fall due, so that month's leftover figure is honest rather than averaged. The planner above works the same way, and saving it carries those bills into your Budget tab.
Does it connect to my bank?
No, deliberately. You enter your own figures, so no banking login or consent is ever shared. If you want every transaction pulled in automatically, an open banking app is the better fit.
Can couples plan a budget together?
Yes. Each partner has their own salary and tax calculation, and shared costs can be split between you on every line. It works the same whichever banks you each use, because nothing depends on a bank feed. With Pro, your partner gets their own login to the same household.
Is this a spreadsheet or a budget template?
It is a planner rather than a template, so the tax, the irregular bills and the monthly totals are worked out for you. If you still want a spreadsheet, any month exports to CSV, and to PDF for printing.
Where are my numbers kept?
The planner on this page runs in your browser and sends nothing anywhere. In the app, Pro, including the 14-day trial every account starts with, syncs your data across devices, stored in Sydney, and you can turn that off from the account menu, which deletes the copy on our servers. On the free plan it stays in your browser on your device.
Related
Related tools and guides
Subscription tracker Australia
Subscriptions are priced monthly because monthly sounds small. Annualised and stacked together they are frequently one of the largest discretionary lines in a household budget, and the least examined.
Subscription tracker →Debt repayment calculator
Two households with identical debts and identical budgets can finish years apart, purely on payoff order. Funance shows both strategies side by side with your numbers, then gives you a date.
Debt repayment calculator →Personal finance app for Australia
Most finance apps are international products with the currency symbol swapped. Funance is built around the ATO, the states and the super system, because those are the rules that actually decide what you keep.
Personal finance app for Australia →Know where your money goes.
Know where you're going.
Every account starts with 14 days of Pro, no card needed. Keep it for $79 a year, or carry on with the free plan: Overview, Budget and Debts, for good. No bank login either way.
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login