Resolve your debt. 100,000 Australians helped so far.
Local Call - Australia Wide 1300 781 034

Budget Calculator - Manage your cash flow

Since the cash coming in and going out vary in amounts and intervals it can often get quite confusing to try to figure out how much we can afford to spend or save during any given month. Just because you have left over cash this month doesn't mean it's actually available for spending.

This budget calculator was designed to convert all incoming and outgoing cash into their monthly equivalents making it easier to see just how much you can really afford to spend during each month.

Your household is just as much a business as any traditional business, the various sections of the budget calculator have been set up in the same way many businesses would set up their cash flow worksheet.

Starting at the top and working your way down, complete and calculate the cash flows for each of the six sections.

Once you've computed the entire worksheet, including the Cash Flow Summary, you can then go back and edit your entries. Once you're comfortable with your Cash Flow Forecast you can then click on the "Create Report" button at the bottom of the worksheet. This will create a condensed report in a new window that you can print out and refer to when creating your spending plan.

Cash Inflows

(Your Primary Job, Spouse's Primary Job, Your Second Job, Spouse's Second Job, Your Business Revenues, Spouse's Business Revenues, Interest & Dividend Income, Rental Income, Cash Gifts, Gambling Winnings, Garage Sale Receipts Tax Refund, etc), etc.
Inflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Total Monthly Inflow:

Adminstrative Outflows

Savings Deposits, Investment Deposits, Office Supplies, Postage, Basic Phone, Tax Preparation, Computer Supplies, Legal Expenses, Misc. Payments, Brokerage Fees, Income Tax Payments, Health Insurance, Life Insurance, Charitable Gifts, Tools, Reference Materials, Classified Ads, etc.
Balance Forward:
Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Total Monthly Adminsitrative Outflow:

Personnel Outflows

Groceries, Vegetable Gardening, School Lunches, Toiletries & Grooming, Hair & Make-up, Medical, Dental, & Optical, Medication & Prescriptions, Clothing & Laundry, Dry Cleaning, Education, Daycare, Child Support, Health Club Memberships, Therapy, etc.
Balance Forward
Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Total Monthly Personnel Outflow:

Transportation Outflows

Petrol, Car Repairs & Maintenance, Car Insurance, Car Repayments, Lease Payments, Fares and tolls, Parking, Licenses & Permits, Fines & Tickets, etc.
Balance Forward
Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Total Monthly Transportation Outflow:

Residential Outflows

Grounds Maintenance, Building Repairs & Maint., Cleaning Supplies, Furniture & Fixtures, Appliances, Pest Control, Interior Decorating, Rent or Lease Payments, Mortgage Payments, Property Taxes, Propane, Fuel, Oil, & Wood, Electricity, Property Insurance, Snow Removal, Alarm Systems, etc.
Balance Forward
Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Total Monthly Residential Outflow:

Entertainment Outflows

Movies & Theatre, Long Distance Calls, Video & Movie Rental, Cable TV, Sporting Events & Activities, Hobbies & Crafts, Games, Arcade, and Amusement, Parties & Entertaining, Gifts, Dining Out, Nightclubs, Gambling, Pets & Pet Supplies, Music, Vacation Propery Payments, Vacation & Travel, etc.
Balance Forward
Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Total Monthly Entertainment Outflow:

Summary of Inflow and Outflows

Category Outflows Inflows
Monthly Inflow
Monthly Administrative Outflow  
Monthly Personnel Outflow  
Monthly Transportation Outflow  
Monthly Residential Outflow  
Monthly Entertainment Outflow  
Total Monthly Outflows
Net Cash Flow

If you would like to find out more about lowering your monthly repayments and what methods would be most appropriate in your situation then fill in the following form or call Debt Relief on 1300 781 034 and our staff will assist you.

Site map | Privacy Policy © Copyright 2006 - 2017 Debt Relief Australia

Close

Online Enquiry Form

Please answer all the questions below:

  1. Do you have a home loan?
  2. Do you have unsecured debts of $7,000 or greater?Credit cards, store cards and personal loans are types of unsecured debts. Mortgages and car loans are not.
  3. Do you receive a regular income?
  4. Have you been bankrupt in the last 13 years?
Submit Answers Please answer all the questions
Close

Yes! We can help you

We have relationships with Australia's largest financial institutions to bring you the most competitive debt reduction strategies.

Option 1: You call us

Free Call
24 hours, 7 days a week

1300 781 034

Option 2: We call you

Unfortunately, we are unable to assist you.

For further assistance we recommend you:

  • Speak to your Creditors
  • Call AFSA on 1300 364 795
  • Speak with a Financial Counsellor
< Go Back Close Window

Unfortunately, we are unable to assist you at this time.

Please contact us for assistance once you have secured a regular income.

We look forward to your call.

< Go Back Close Window

Unfortunately, we are unable to assist you.

You need to have over $7,000 in unsecured debt to apply.
For further assistance we recommend you:

  • Speak to your Creditors
  • Call AFSA on 1300 364 795
  • Speak with a Financial Counsellor
< Go Back Close Window
Close

Request a call back

  1. Credit cards, store cards and personal loans are types of unsecured debts. Mortgages and car loans are not.
  2. We take your privacy very seriously.

Take control
of your debt today

Call Now 1300 781 034

Or We'll Call You

No thanks, my debt situation is not urgent.

FREE Phone Consulation

Australian residents only

Request a call back

  1. Credit cards, store cards and personal loans are types of unsecured debts. Mortgages and car loans are not.
  2. We take your privacy very seriously.
Enquire Online Call Now