EasyPayCalc

Monthly cash flow calculator

What is left of your pay once the bills are paid?

List your costs to see your monthly leftover.

$

Calculate your pay on the main calculator to carry it over automatically.

Left over each month

$0.00

Example

The full breakdown is below your expenses.

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Left over each month

Example

$0.00

Example for $80,000 a year before tax. Enter your take-home pay above.

Take-home pay$5,323.33
Fixed costs$0.00
Living expenses$0.00
Subscriptions$0.00

All calculators

Pay CalculatorPart-timeCasualWorking HolidayHECS / HELPSelf-EmployedSalary PackageNovated LeaseMortgage

Guides

All guides

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.

Open the pay calculator

Worked example: five bills on five different cycles

A $85,000 salary in 2026–27 leaves $5,606.67 a month after the tax office and Medicare have taken their share. Set against it are five bills, each arriving on its own schedule, which is the muddle this calculator exists to straighten out.

One year of bills, five rhythmsWeeklyFortnightlyMonthlyQuarterlyAnnuallyPer monthevery bill spread into the same monthly amount
Bills arrive in lumps. A budget works in months, so the calculator turns each lump into a steady monthly share.
Five example bills turned into a monthly figure
BillHow oftenAmountPer month
Rent or mortgageMonthly$2,300.00$2,300.00
GroceriesWeekly$190.00$823.33
Fuel or transportFortnightly$120.00$260.00
ElectricityQuarterly$450.00$150.00
Car registrationAnnually$880.00$73.33
  1. Monthly take-home on $85,000$5,606.67
  2. All five bills as a monthly total-$3,606.67
  3. Left over each month$2,000.00

Weekly bills are the ones people most often undercount. A year has 52 weeks, a little over four and a third per month, so a weekly bill costs noticeably more each month than four payments of it would suggest. Groceries in the table show the effect.

Official pages behind the take-home figure

  • How often you are paidfairwork.gov.au

    Fair Work rules on pay cycles, the reason pay and bills arrive on different rhythms in the first place.

  • Australian resident tax ratesato.gov.au

    The income tax taken out before the monthly take-home in the example.

  • Medicare levyato.gov.au

    The second deduction behind the take-home line.

  • Study loan repayment ratesato.gov.au

    If you repay a study loan, the take-home you enter here should already have that repayment taken out.

Rates checked with official sources on 15 August 2026.

How we check the numbers

Frequently Asked Questions

Budgeting starts where the other calculators stop. This page assumes you already have a take-home figure, so the first set of questions is there in case you want to go back and check how that figure was built. The second set is about the calculator itself. It matters more here than anywhere else, because this is the one page that keeps your entries between visits, and knowing where they are kept is reasonable to ask.

Where does the take-home figure at the top of this budget come from?

From the pay calculator on this site: gross income less income tax, the Medicare levy and any study loan repayment, turned into a monthly amount. Super is paid on top and is not counted, because it is not money you can spend this month. You can overwrite the figure with your own.

My bank deposits and this monthly figure differ. Why?

Your employer withholds tax per pay, and a year of weekly or fortnightly pays does not split evenly into months, so some months carry an extra pay. The figure here is an even twelfth of the year, which is usually the steadier one to plan a budget around.

Does the 2026–27 tax change affect my budget here?

Only through the take-home figure. The bracket that dropped from 16% to 15% lifts monthly pay slightly for most workers, so use a take-home amount worked out at 2026–27 rates if you want the budget to reflect it.

How precise are the budget totals on this page?

They are exact arithmetic on whatever you enter, so the precision depends on your inputs. The take-home figure is an estimate that leaves out deductions and other income, and costs entered as weekly or yearly amounts are converted to the period you are viewing.

What rates sit behind the take-home figure this budget starts from?

The ATO's published rates for the selected year, the marginal study loan system and the 12% Super Guarantee, which is kept out of spendable pay. For ordinary employees that gets close; deductions, fringe benefits and investment income are where it drifts.

When are the numbers behind this page refreshed?

Tax rates are reviewed each July when the ATO releases the new year's figures, and an automated monitor prompts the team to check between times. Your own budget entries never change by themselves. They stay as you left them until you edit them.

Something in my budget looks wrong. What should I do?

Email feedback@easypaycalculator.com.au, the address on the About page, and say which figure looked off. Your entries are saved only on this device, so we cannot see them; include the numbers you entered if they matter to the problem.