Budgeting Calculator

Enter income and expenses to see your monthly and annual surplus or deficit, export results to Excel.

Setup
Add your name, select a year and first payday date to estimate fortnightly paydays and weekly counts per month.
Used on your Excel export.
Proposed mortgage payment
Per week
NZ$
Included in expenses as a weekly amount.
Weekly count method
Weekly items scale by number of Mondays in each month.
Auto
Method
Mondays in month
Example, if a month has 5 Mondays, a NZ$100/week item becomes NZ$500 that month.
Month stats
Calculated from your year and first payday date
Month # Paydays (fortnightly) # Weeks (Mondays)
Income
Amounts spread across months based on frequency.
Swipe to see more →
Item Amount Frequency Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
Total income
Expenses
Mortgage payment is included as a weekly expense.
Swipe to see more →
Item Amount Frequency Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
Total expenses
Surplus, deficit
Summary
Ready
Total annual income
NZ$0
Total annual expenses
NZ$0
Annual surplus, deficit
NZ$0
How to use this calculator
  1. Enter your name, choose the year, and set your first payday date.
  2. Add income lines and choose the right frequency (weekly, fortnightly, monthly, yearly).
  3. Add expense lines and choose the right frequency, include your proposed mortgage payment per week.
  4. Review the monthly surplus or deficit row and the annual totals in Summary.
  5. Download Excel to save or share your budget.
Example (New Zealand)

Sophie earns NZ$3,200 per fortnight. She adds weekly costs like NZ$200 groceries and NZ$120 petrol, monthly bills like NZ$180 power and NZ$75 internet, and a proposed mortgage payment of NZ$1,200 per week. The calculator totals everything per month and shows whether Sophie has a surplus or deficit, plus the annual totals.

Note: This is a guide only. Your actual affordability and lending outcome depends on your circumstances and lender policy.

Want a personalised budget review?
Talk to an AML Home Loans adviser and understand your options.
Call Now: +64 22 354 0529