Use our free online budget planner. NZ life can get financially challenging at times, so stay on top of your finances easily with our budget calculator and have a PDF report sent to you 100% free.
If you still can't tighten the belt enough after running your budget, maybe a debt consolidation loan could save the day and relieve any financial pressure.
You can revisit this budget planner at any time and resubmit new figures. It's a 100% free service, and if you need further help, please reach out. Another handy page to read might be our bad credit page.
Did You Know?
The 50, 20, 30 Budget Rule
What is the 50, 20, 30 budget rule? It's a commonly known money management rule that recommends 50% of your income should be necessities, 20% should be for savings or investments & the remaining 30% is for everything else. Necessities are rent, power, groceries, fuel etc.
How To Get Out Of Debt?
Swap high-interest credit cards for debt consolidation loans at affordable repayments so you can avoid late penalties and fees. Consolidate all your bills into one simple payment. Your budget planning will be a lot easier if you do.
How should a beginner budget?
When first starting to budget, it can be a little daunting, so here are a couple of tips. First, list your net income; this means the money you get after tax and deductions. Next, you should try and trim all expenses by sharing your Netflix & Spotify accounts with friends. Lastly, budget for unexpected bills.
How Often Should I Reveiw My Budget?
It's good practice to check your actual spending against your budget on a monthly basis. Block out a time to treat yourself to a coffee at a cafe where you can't be distracted and while you match reality against your forecast and then adjust your plan accordingly. Remember to write the coffee into the expenses 🙂