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Know exactly what's left at the end of the month.

List your income and expenses to see your true monthly surplus — the raw material of every wealth strategy. A clear surplus figure is the first input into contribution strategies, debt plans and retirement modelling.

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Self-Licensed AFSL SSA™ Designated Master of Fin. Planning Fee for Service
03 — Budget

Budget Planner

Monthly Expenses
Housing
Groceries
Transport
Utilities & Bills
Insurance
Entertainment
Other
— Monthly Surplus / Deficit
—
— Income
—
— Expenses
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— Annual Surplus
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Simplified budget snapshot — actual spending will vary. Personal advice requires a Statement of Advice. AFSL 562647.

This calculator provides estimates only, based on simplified assumptions and the figures you enter. It does not take into account your personal objectives, financial situation or needs, and is not financial advice. Results are illustrative and actual outcomes will differ. Consider seeking personal advice before acting. Wealth Designers Advisory Pty Ltd (ABN 26 650 483 300, AFSL 562647).

Your Adviser

Self-licensed by design. Fee-for-service by choice.

Troy Gudgeon established Wealth Designers Advisory under its own Australian Financial Services Licence specifically to remove the conflicts that come with bank or institutionally-owned advisory groups. No dealer group, no product quotas — the only agenda at the table is yours.

  • 20+ years of financial planning experience across every market cycle
  • Master of Financial Planning — Kaplan Professional
  • SMSF Specialist Advisor™ (SSA™) designated
  • Member, Financial Advice Association of Australia (FAAA)
  • Self-licensed AFSL 562647 — no bank ownership, no third-party ties
  • Offices in Barangaroo (Sydney) and Brisbane CBD — advises nationally via Zoom
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Troy Gudgeon, Founding Director and Principal Adviser
Troy Gudgeon
Founding Director & Principal Adviser
MFinPlan · SSA™ · FAAA Member
Wealth Designers Advisory Pty Ltd
ABN 26 650 483 300 · AFSL 562647
Accredited SMSF Association Specialist
Common Questions

Answers about the budget planner.

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  • Why does a budget matter for retirement planning?
    Your spending rate determines how much capital retirement actually requires. Knowing your real monthly number — not a guess — is the single most useful input for modelling how long your money lasts.
  • What should I do with a monthly surplus?
    Common destinations are extra mortgage repayments, concessional super contributions and investment portfolios — and the right order depends on your tax position, interest rates and timeframe. That prioritisation is core advice work.
  • How accurate does this need to be?
    Directionally right beats precisely wrong. Use three months of bank statements to sanity-check the big categories; small items rarely change the strategic picture.
  • Is my data saved anywhere?
    No. Everything you enter stays in your browser on this page and is gone when you leave — nothing is transmitted or stored.
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Wealth Designers Advisory Pty Ltd · AFSL 562647 · Advice prepared under the Corporations Act 2001