Budget Planner

This Budget Planner is a useful tool in determining your current cost of living and your ability to achieve your financial goals. You will probably need to refer to bank accounts, receipts and your latest income tax return so that you'll end up with an accurate result.

We also have a downloadable version of this form that you print off and complete. download (PDF, 323K)

Fill in the panels A - H clicking the "Calculate" button at the end of page.

If you begin to fill this out and find you don't have all the information, click the 'save' button. You can safely shut down your computer and the information will be retained until you return. To delete the information click the 'clear' button.

Once you have completed this form you can print it out as an easy to read report. Think about the way you would like to spend your time in retirement and you can start to determine which of these current living costs may change once you retire.

Step 1 - Income details Step 2 - Expense details Step 3 - Display results Step 4 - What now?

Income details (after-tax)  Salary and wage $   WeeklyMonthlyQuarterlyYearly  Superannuation pension $   WeeklyMonthlyQuarterlyYearly  Government pension(s) $   WeeklyMonthlyQuarterlyYearly  Annuity $   WeeklyMonthlyQuarterlyYearly  Dividends and interest $   WeeklyMonthlyQuarterlyYearly  Rental income $   WeeklyMonthlyQuarterlyYearly  Overseas pensions $   WeeklyMonthlyQuarterlyYearly  Other income $   WeeklyMonthlyQuarterlyYearly  Total income $ 0  Yearly  Expense details Housing Transport Food Entertainment & Leisure Personal General  Council rates $   WeeklyMonthlyQuarterlyYearly  Water rates $   WeeklyMonthlyQuarterlyYearly  Strata levy $   WeeklyMonthlyQuarterlyYearly  Gas $   WeeklyMonthlyQuarterlyYearly  Electricity $   WeeklyMonthlyQuarterlyYearly  Telephone (Home/Mobile) $   WeeklyMonthlyQuarterlyYearly  Home insurance $   WeeklyMonthlyQuarterlyYearly  Contents insurance $   WeeklyMonthlyQuarterlyYearly  Personal effect insurance $   WeeklyMonthlyQuarterlyYearly  Rent/mortgage $   WeeklyMonthlyQuarterlyYearly  Repairs/maintenance $   WeeklyMonthlyQuarterlyYearly  Replacement appliances $   WeeklyMonthlyQuarterlyYearly  Replacement furniture/furnishings $   WeeklyMonthlyQuarterlyYearly  Gardening $   WeeklyMonthlyQuarterlyYearly  Pool maintenance $   WeeklyMonthlyQuarterlyYearly  Other $   WeeklyMonthlyQuarterlyYearly  Total housing expenses $ 0  Yearly  Holidays/travel $   WeeklyMonthlyQuarterlyYearly  Cinema/concerts etc. $   WeeklyMonthlyQuarterlyYearly  Hobbies $   WeeklyMonthlyQuarterlyYearly  Memberships/subscriptions $   WeeklyMonthlyQuarterlyYearly  Magazines and newspapers $   WeeklyMonthlyQuarterlyYearly  Books/music/video hire $   WeeklyMonthlyQuarterlyYearly  Other entertainment $   WeeklyMonthlyQuarterlyYearly  Boat insurance $   WeeklyMonthlyQuarterlyYearly  Boat registration $   WeeklyMonthlyQuarterlyYearly  Boat licence $   WeeklyMonthlyQuarterlyYearly  Boat fuel and maintenance $   WeeklyMonthlyQuarterlyYearly  Boat trailer $   WeeklyMonthlyQuarterlyYearly  Caravan insurance $   WeeklyMonthlyQuarterlyYearly  Caravan registration $   WeeklyMonthlyQuarterlyYearly  Caravan fuel and maintenance $   WeeklyMonthlyQuarterlyYearly  Other $   WeeklyMonthlyQuarterlyYearly  Total entertainment and leisure $ 0  Yearly  Car repayments $   WeeklyMonthlyQuarterlyYearly  Car expenses $   WeeklyMonthlyQuarterlyYearly  Car registration $   WeeklyMonthlyQuarterlyYearly  Compulsory third party $   WeeklyMonthlyQuarterlyYearly  Road service $   WeeklyMonthlyQuarterlyYearly  Drivers licence $   WeeklyMonthlyQuarterlyYearly  Petrol $   WeeklyMonthlyQuarterlyYearly  Car maintenance and repairs $   WeeklyMonthlyQuarterlyYearly  Public transport $   WeeklyMonthlyQuarterlyYearly  Taxis $   WeeklyMonthlyQuarterlyYearly  Other $   WeeklyMonthlyQuarterlyYearly  Total transport expenses $ 0  Yearly  Education $   WeeklyMonthlyQuarterlyYearly  Accountant/legal fees $   WeeklyMonthlyQuarterlyYearly  Life insurance $   WeeklyMonthlyQuarterlyYearly  Medical insurance $   WeeklyMonthlyQuarterlyYearly  Doctor/medical/dentist/eyecare $   WeeklyMonthlyQuarterlyYearly  Chemist $   WeeklyMonthlyQuarterlyYearly  Personal loan/outstanding debts $   WeeklyMonthlyQuarterlyYearly  Clothing/shoes $   WeeklyMonthlyQuarterlyYearly  Laundry/dry cleaning $   WeeklyMonthlyQuarterlyYearly  Hairdresser/beauty/make up $   WeeklyMonthlyQuarterlyYearly  Cigarettes $   WeeklyMonthlyQuarterlyYearly  Other $   WeeklyMonthlyQuarterlyYearly  Total personal $ 0  Yearly  Groceries $   WeeklyMonthlyQuarterlyYearly  Fruit and vegetables $   WeeklyMonthlyQuarterlyYearly  Meat/fish/poultry $   WeeklyMonthlyQuarterlyYearly  Restaurants/take away $   WeeklyMonthlyQuarterlyYearly  Alcohol $   WeeklyMonthlyQuarterlyYearly  Other $   WeeklyMonthlyQuarterlyYearly  Total food expenses $ 0  Yearly  Donations/gifts $   WeeklyMonthlyQuarterlyYearly  Internet $   WeeklyMonthlyQuarterlyYearly  Computer costs $   WeeklyMonthlyQuarterlyYearly  Veterinary $   WeeklyMonthlyQuarterlyYearly  Pet supplies $   WeeklyMonthlyQuarterlyYearly  Cable TV $   WeeklyMonthlyQuarterlyYearly  Other $   WeeklyMonthlyQuarterlyYearly  Total general expenses $ 0  Yearly     Financial situation  A. Total annual income $   Yearly  B. Housing expenses $   Yearly  C. Transport expenses $   Yearly  D. Food expenses $   Yearly  E. Entertainment and leisure expenses $   Yearly  F. Personal expenses $   Yearly  G. General expenses $   Yearly  H. Unexpected expenses (5% of B to G) $   Yearly  I. Total annual expenses (Total of B to H) $   Yearly  Total income less expenses (A minus I) $   Yearly Not sure whether your savings will support your retirement? Our Financial Advisers are specialists in the area of retirement planning. To find out more about planning for your retirement contact ClearView via:   1. Request a meeting with a ClearView Financial Adviser or Phone 132 976 2. Existing clients Phone 132 977 3. Send a letter to ClearView Retirement Solutions GPO Box 3382, SYDNEY NSW 2001 4. Email us at enquiries@clearview.com.au

Assumptions
1.	All income amounts entered are net of tax.
2.	No allowance has been made for tax or fees.
3.	There is no allowance for inflation or investment rates.
4.	There are no projections made in this calculator.
If these assumptions are different to your situation the calculations will not be correct.
Disclaimer
1.	This "Budget Planner" calculator is based on our interpretation of superannuation legislation as at 1 July 2006.
2.	This "Budget Planner" calculator does not replace personal financial product advice and you should seek specific professional advice prior to acting on any information.
3.	ClearView gives no assurance that this "Budget Planner" calculator is free of errors or suitable for any user's intended purposes.
4.	To the extent permitted by law, ClearView will not be liable for any damages or loss suffered by the user or anyone else from use of this "Budget Planner" calculator.
5.	Any advice in this "Budget Planner" calculator is general advice only and does not take into account your individual objectives, financial situation or needs ("personal circumstances"). Before acting on it you should consider the appropriateness of it, taking into account your personal circumstances. ClearView Financial Advisers are representatives of ClearView Financial Management Limited.

Important Information: This calculator has been developed to help consumers identify the money they may have to invest. It is provided as a guide only and should in no way be viewed as an exhaustive list.