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      Personal Budget Calculator (tax calculations applicable to Australia only)
    Australian Tax thresholds 2017-2018
    Tax Rate
    For current and past income tax thresholds see: www.ato.gov.au
    $1.00 to $
    to $
    to $
    to $
    to
      Step 1: Income
    Income 1st Person (Gross) $
    annual
    2nd Person Income (Gross) $
    annual
    Other Income (Gross) $
    annual
    2nd Person Other Income $
    annual
    Tax Deductions
    $
    annual
    Tax Deductions $
    annual
      Taxable Income       annual   Taxable Income     annual  
    Annual Tax Payable
    annual
    Annual Tax Payable
    annual
    Personnel Income (Net)
    annual
    Personnel Income (Net)
    annual
    Personnel Income (Net)
    per month
    Personnel Income (Net)
    per month
              Est. Combined Income     per month  
      Note: Ensure for Step 2, investment property rental contributes to taxable income & property outgoings could be deductions.  
      Step 2: House / Property Costs
    Property (1) Use
    2nd Property Use
    Property (1) Cost
    $
    Property (2) Cost $
    Stamp Duty
    $
    Stamp Duty
    $
    Legal Fees
    $
    Legal Fees
    $
    Sub-total
    Sub-total
    Less Deposit
    $
    Less Deposit
    $
    Loan Total
    Loan Total
    Percentage deposit of loan
    Percentage deposit of loan
    Loan Interest Rate
    Loan Interest Rate
    Duration of Loan
    years
    Duration of Loan
    years
    Est. Loan Repayments
    per month
    Est. Loan Repayments
    per month
    Body Corporate
    $
    quarter
    Body Corporate $
    quarter
    Rates
    $
    annual
    Rates
    $
    annual
    $
    annual
    $
    annual
    Agent Fees
    $
    annual
    Agent Fees
    $
    annual
    Other Costs
    $
    annual
    Other Costs
    $
    annual
    Est. Property Outgoings
    Est. Property Outgoings
    Total Property (1) Outgoings
    Total Property (2) Outgoings
      Note: Please seek financial advice for property income, costs and depreciation attributable to taxable income.  
      Step 3: Vehicles
    Vehicle (1) Cost $
    Vehicle (2) Cost $
    Stamp Duty
    $
    Stamp Duty
    $
    Roadworthy Cert.
    $
    Roadworthy Cert. $
    Sub-total
    Sub-total
    Less Deposit
    $
    Less Deposit
    $
    Loan Total
    Loan Total
    Loan Interest Rate
    Loan Interest Rate
    Duration of Loan
    years
    Duration of Loan
    years
    Est. Monthly Repayments
    monthly
    Est. Monthly Repayments
    monthly
    Car Servicing
    $
    per year
    Car Servicing
    $
    per year
    Registration Cost
    $
    per year
    Registration Cost $
    per year
    Insurance Cost
    $
    per year
    Insurance Cost $
    per year
    Tyres
    $
    per year
    Tyres
    $
    per year
    Car Wash
    $
    per year
    Car Wash
    $
    per year
    Fuel Price
    $
    per litre
    Fuel Price
    $
    per litre
    Fuel Economy
    $
    ltrs/100km
    Fuel Economy
    ltrs/100km
    Distance travelled per week
    km / per week Distance travelled per week
    km / per week
    Est. Weekly Fuel Cost
    per week
    Est. Weekly Fuel Cost
    per week
    Est. Cost per Km
    Est. Cost per Km
        Est. Total Vehicle (1) Cost     per month   Est. Total Vehicle (2) Cost     per month  
      Step 4: General Living Expenses
    Rent (Where you live) $
    per month
    Food / Shopping $
    per week
    Electricity Bill
    $
    per month
    Take-away
    $
    per week
    Gas Bill
    $
    per month
    Restaurants
    $
    per week
    House Telephone
    $
    per month
    Lunches
    $
    per week
    Mobile Telephone
    $
    per month
    Train / Bus Tickets $
    per week
    Internet Connection $
    per month
    Parking Costs $
    per week
    Water Rates
    $
    per month
    Pet Food / Other $
    per week
    Maintenance
    $
    per month
    $
    per week
    Other Utilities
    $
    per month
    $
    per week
    Est. General Living Expenses
    per month
      Step 5: Medical / Health / Insurance
    Health Cover
    $
    per month
    House/ Contents insurance $
    per month
    Ambulance Cover
    $
    per month
    Medicines / Scripts $
    per month
    Dental
    $
    per month
    Medicines / Scripts $
    per month
    Life insurance
    $
    per month
    $
    per month
                Est. Monthly Cost      
      Step 6: Holidays
    Number of nights accomm.
    Travel Cost
    $
    Nightly Accomm. Cost $
    Activity Costs $
    Daily Breakfast cost $
    Travel Insurance $
    Daily Lunch Cost
    $
    Hire / Parking Costs $
    Daily Dining Cost
    $
    Miscellaneous costs $
    Daily Other
    $
    Estimated holiday cost
        Est. Savings required:     per month  
      Step 7: Education / Schooling
    School Fees
    $
    annual
    Computer(s)
    $
    annual
    Uniforms
    $
    annual
    Software
    $
    annual
    Books / Stationary $
    annual
    Misc. Education $
    annual
    Est. Monthly Cost
    per month
      Summary of Estimated Income / Outgoings
    Monthly
    Annual
    Outgoings
    House Property Costs $
    $
    Vehicles
    $
    $
    General Living
    $
    $
    Medical / Health Insurance $
    $
    Holidays
    $
    $
    Education / Schooling $
    $
      Total Outgoings (Costs) $       $      
      Estimated Net Savings $ monthly   $ annually  
    All Figures exclude GST / Tax and depreciation considerations.
    Copyright © 2012 Freight Metrics Pty Ltd
    All calculated values are provided for information only and are not a quotation, contract or offer by Freight Metrics Pty Ltd.
    The accuracy of all figures and prices is not guaranteed and is provided as a guide only.
    Please seek qualified financial advise before major decision making using these figures.
       
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