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Free Australian budget template (spreadsheet)
If you just want a simple budget in Australian dollars and Australian categories, start here. It's free, and it takes about 20 minutes to fill in.
How to use a simple budget
- Income: type your take-home pay (from your payslip) and how often you're paid.
- Expenses: enter each bill the way you pay it: rent weekly, power quarterly, rego yearly. The sheet converts them to monthly.
- Overview: check what's left each month. If it's negative, start with the biggest flexible lines, not the small ones.
Common Australian lines people forget
- Car rego, CTP and servicing
- Home and contents or renters' insurance
- School costs and uniforms
- Pet insurance and vet bills
- Annual subscriptions and memberships
- Gifts at Christmas and birthdays
For a step-by-step guide, see Moneysmart's how to do a budget.
Free tip: Set up a separate "bills" account and transfer one-twelfth of your yearly bills into it every month (or the weekly equivalent each payday). Rego and insurance stop being a shock.
Get it free Free Australian Budget Planner Lite (.xlsx)
A free, cut-down Australian budget spreadsheet with a pay converter, Australian expense lines and a monthly overview. No catch; it just needs a free Whop checkout to download.
- Income, Expenses and Monthly Overview tabs
- 38 Australian expense lines in 8 groups
- Weekly, fortnightly, monthly, quarterly and yearly conversion
- Upgrade path to the full planner if you want take-home pay, HELP and super
Free on Whop. Instant download.
Download free on Whop →Related guides
- Australian budget planner: start from your real take-home pay
- Meal prep planner and grocery budget: cost every meal in AUD
- Family planner templates for Australian households
General information only, not financial advice. Last checked 16 Nov 2026.