What comes in
Your take-home pay, per month — everyone in the household combined.
Monthly income (after tax)
WHAT GOES OUT · PER MONTH
Housing (rent / mortgage)
Power, internet & phone
Groceries
Transport / petrol
Insurance
House, contents, car, health, life.
Debt repayments
Credit cards, car loans, hire purchase — not your mortgage.
Subscriptions
Streaming, gym, apps.
Eating out & fun
Everything else
YOUR MORTGAGE
Loan balance
Set to $0 if you don't have a mortgage yet.
Rate
Loan term
SAVING A DEPOSIT?
Deposit goal
Set to $0 to skip.
Saved so far
YOUR MONTHLY MONEY MAP
In
$6,200
Out
$5,130
Surplus
$1,070
You're keeping 17% of what you earn — about $12,840 a year spare.
WHAT YOUR $1,070/MO SURPLUS COULD DO
ON YOUR MORTGAGE
$301,916 interest saved
Putting the surplus on the loan would clear it about 14 yrs 1 mo sooner. Model it in detail.
AS A DEPOSIT
4 yrs 9 mo to your goal
Saving the surplus, you'd close the $60,000 gap to your $80,000 goal. Track it on your runway.
Rough numbers are fine — this is a first look, not a full budget. It doesn't track your spending or store anything; everything stays in your browser (and in the link, if you copy it). A licensed adviser can turn a surplus into a real plan.