Where is your money going?

It’s always easier to manage your day to day costs when you can see how much you’re earning and how much you’re spending. QSuper’s budget planner calculator may help you keep your finances under control.

The key to success it to be realistic. Try to estimate all your income and expenses and ensure the ‘period’ field is correct for each one. Print your budget out as a reminder, and come back to update it when things change.

How does the budget planner work?

By adding up all of your expenses and savings and deducting them from your net income, the budget planner shows you how much money you have, or don’t have, for a particular period of time (weekly, monthly or annually).

Tips for making the most out of your budget

  • Keep your budget updated as both your income and expenses change.
  • If you’re trying to save money, analyse the figures to find ways to cut back on expenses.
  • It’s important to have goals. Spend a few minutes thinking about what you want your money to do for you, and track your progress.
  • If you’re regularly spending more than you’re saving, you might want to take action. Take a closer look at your expenses to see where you can cut back. And if you’re still in the red, it might be time to talk to a Financial Adviser to see what can be done.


Financial advice for now and your future

As a QSuper member, you have access to professional financial advisers1 who can tailor advice to suit your needs.

Find out more


  • Results are only estimates and actual amounts will vary.
  • This calculator converts your income, savings and expenses into annual amounts. It then calculates your surplus income (for you to choose how to spend or invest) or shows how much more you’re spending than earning or saving.

1. Advice fees may apply. Refer to the Financial Services Guide for more information.

The calculator doesn’t replace personal financial advice and you should seek specific professional advice prior to acting on any information. We also recommend you read our disclaimer.