Budget & cashflow

Enter your household income and spending so we can map your cashflow, tax and surplus. Work through the prompts — they're here to help you think of everything. Rough estimates are fine, and any frequency works.

Enter income before or after tax — choose which on each line — and tag whose it is. We work out the tax for you. Please don't enter your Tax File Number, bank account numbers, or ID here.
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Your details
Income — before or after tax

Each source on its own line, tagged to whom. Set Before tax or After tax — if you only know your take-home from your payslip, choose After tax and we'll work out the gross and the tax. Untick "Taxable" for tax-free payments (Centrelink, FTB, child support).

DescriptionWhoseTaxableBasisAmount ($)FrequencyPer year
Income tax — calculated for you, per person
Tax year

You

Taxable income—
Income tax—
less Low income tax offset—
Medicare levy (2%)—
Total tax—
Take-home—

Partner

Taxable income—
Income tax—
less Low income tax offset—
Medicare levy (2%)—
Total tax—
Take-home—
Loan & mortgage repayments — usually paid first

Home loan, investment loans, personal & car loans, credit-card repayments. Kept separate from living expenses.

DescriptionAmount ($)FrequencyPer year
Living expenses

Work through each group — tap a heading to expand or collapse it. Mark each line a need or a want; leave anything that doesn't apply blank.

Where your money goes
Total income (gross)—
Total outflow (tax + spending + loans)—
Surplus left over—
Your cashflow summary
Gross income
—
Total tax
—
After-tax income
—
Living expenses
—
Loan repayments
—
Net surplus
—
Emergency fund

A common guide is 3–6 months of essential spending set aside for a rainy day.

Thank you

We've received your budget. We'll confirm the figures and map your cashflow, tax and surplus with you at your meeting.

Tax is calculated on current ATO resident rates including the Medicare levy and Low Income Tax Offset (and, where you indicate, the Medicare Levy Surcharge and HELP/STSL repayments), per person. It is indicative — we confirm exact figures in your full cashflow & tax model. General information only, not personal advice.
Navarino Wealth Pty Ltd · Authorised Representative.