Income & Budgeting Calculator — how much of your pay do you take home in Australia (2025–26)?
How much comes in?
Start with who this is for, then add your pay before tax.
Your partner’s pay
Now your partner’s pay before tax.
Do you have any other income?
Add share dividends, an investment property, or other income — each owned by you, your partner or jointly. Skip if you have none.
Any tax-deductible expenses?
Work-related costs, donations, investment or property expenses you claim at tax time — these reduce taxable income. Skip if you have none.
What you actually keep
The government takes some tax before you're paid. Here's what lands in your pocket.
Why don't I keep it all?
Where does it go?
Add roughly what the household spends.
Why split spending up?
Your money at a glance
What's left after tax and spending — the money you can save or use for goals.
How Australian households spend
The average household spends about $2,856 a week. Roughly where it goes:
Households vary a lot: families with children spend more on food, transport, childcare and education; retired couples spend less overall but a larger share on health and home costs.
Source: ABS Household Spending & Expenditure data, 2024–25. Averages only — a general guide, not a target.
Illustrative only, using Australian 2025–26 tax settings and individual tax for each person. Salary packaging and super sacrifice are treated simply as pre-tax amounts; it ignores some factors (e.g. Medicare Levy Surcharge, the super concessional cap limit, reportable-fringe-benefit detail). Educational / general information only — not personal financial advice. Fintor Group Pty Ltd — AFSL 559460.
Structure your banking
Set up accounts so your budget runs itself — pay in, bills out, spend what's left, and save the rest automatically.
Why structure accounts this way?
Educational / general information only — not personal financial advice. Fintor Group Pty Ltd — AFSL 559460.
Your safety net comes first
Before optimising your budget, set aside a buffer for life’s surprises. Fintor suggests at least three months of expenses.
Educational / general information only — not personal financial advice. Fintor Group Pty Ltd — AFSL 559460.
Happy with your surplus?
Here’s what you have left over. Keep it as is, or let’s free up more each month.
Educational / general information only — not personal financial advice. Fintor Group Pty Ltd — AFSL 559460.
Your next steps
Here's your complete plan below — income, tax, spending, banking, budget and recommended actions. Save it as a PDF, grab the guide, and explore the tools.
Your full report
Build your complete plan — cover, income, tax, results, spending, banking, budget and next actions — as a designed, multi-page report. No email or sign-up needed.
Make your surplus work harder
Free Fintor tools to turn what's left over into wealth:
Educational / general information only — not personal financial advice. Fintor Group Pty Ltd — AFSL 559460.