Comprehensive Personal Budget
Line-item monthly budget across living, transport, lifestyle and saving.
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Monthly surplus
$450.00
Income $5,500.00 − expenses $5,050.00
| Housing | $2,800.00 (50.9%) |
|---|---|
| Living | $1,130.00 (20.5%) |
| Lifestyle | $500.00 (9.1%) |
| Debt repayment | $120.00 (2.2%) |
| Savings | $500.00 (9.1%) |
| Surplus | $450.00 |
About this calculator
A line-item monthly budget across housing, living, lifestyle, debt and savings. Shows your surplus or shortfall and the share of income going to each bucket.
- A surplus of zero is fine if it's being absorbed by intentional savings or debt repayment.
- Sustained shortfall means you're drawing on credit or savings — review the lifestyle bucket first.
- NZ rule of thumb: housing under 30% of gross, savings (KiwiSaver-inclusive) of at least 10%.
Frequently asked questions
Should I budget by month or week?
Whichever matches your pay cycle is fine; this tool is monthly. Convert weekly amounts by × 52 ÷ 12.
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.