Safe to spend this week
$195
We've allowed for your bills ($1,144/wk), essential everyday spending, $88/wk toward annual expenses, and $160/wk toward your savings goals.
Two accounts, not one budget
This tool works best as a way to physically separate your money, not just track it on screen. Most of what it calculates is only true once the money it's talking about is actually somewhere you can't casually spend it.
Bills & annual account
Bills, annual sinking funds, savings goals and extra debt payments — transferred here each payday and left alone.
Everyday account
Whatever's left — your safe-to-spend figure above. If it's in here, it's genuinely yours to use.
Transfer into your bills & annual account
Your bills plus annual sinking funds need approximately $1,294.19/week, including a 5% buffer.
$2,588.38 per fortnightly pay
Set up an automatic transfer to a separate account each payday, the moment your pay lands — before it has a chance to blur into everyday spending.
Where your money goes
Weekly amounts across your household income of $1,988.