Cash Flow Calculator
Everyday expenses versus your take-home pay
Your monthly take-home pay
Calculate your pay on the main calculator to carry it over automatically.
Add your fixed costs, like rent, insurance and utilities.
Add your everyday living expenses, like groceries and transport.
Add your subscriptions and memberships.
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How this cash flow calculator works
List your regular expenses, from rent and utilities to groceries and subscriptions, and set how often each one is paid. The calculator converts everything to the period you choose, so quarterly and yearly bills are spread out rather than forgotten. The total is compared with your take-home pay to show what is left over each week, fortnight, month or year.
Why start from take-home pay?
A budget built on your gross salary overstates what you can spend. Income tax, the Medicare levy and any HECS/HELP repayment come out before the money reaches you. This calculator starts from your pay after tax, so the leftover figure matches what actually arrives in your bank account.
Your entries stay on your device
What you type is saved in your browser so it is still here when you come back, and each month is kept separately. Nothing is sent to a server.
What this tab leaves to the others
This is the one tab on the site that faces spending rather than earning. It does not work out tax, super or loan repayments; it takes the after-tax figure those tabs produce and asks what happens to it once it lands. If the take-home number itself looks wrong, the place to investigate is the pay calculator, not here.
It also does not know what things cost. The market averages shown beside a few expenses are broad estimates for orientation, never added into your totals, and your own entries are the only numbers that drive the result. Treat the output as a mirror of a routine month rather than a ledger of everything: a windfall, an emergency or an annual holiday will pass straight through it unless you give it a row.