A well-planned budget is essential for financial health and growth. Our free Budget Calculator will help to calculate your estimated minimum expenditure. This complete audit allows you to plan your budget and manage your assets and expenses. You will quickly gain more accurate knowledge of your surplus (or if you are spending more than you earn).
Just insert your income as take-home pay, bonuses and overtime, income from savings and investments, Centrelink or family benefits payments, etc. Then add your expenses as home and utilities, insurance and financial, groceries, personal and medical, entertainment, transport and auto, etc.
With the data provided, the calculator will automatically give you a budget summary and show you the estimated minimum expenditure results.
You can freely arrange as per weekly, fortnightly, monthly, quarterly, or annual budgets, whatever best suits your personal finances. So download the results and keep track!
Please note that these calculations are estimates based on the details you provide, and should not be your only source of data. The best way to get control of your finances and grow your wealth is with the help of Melbourne's best financial advisers.
Quick Links
About Us
Wealth Hub
FSG’s
Knowledge Centre
FAQs
Credit Guides
Privacy Policy
Dispute Resolution Policy and Procedure
Testimonials
News and Resources
Industries
Contact us
36 if 1 not applicable (Q 5, 8, 9)
34 if 2 not applicable (Q 5, 8, 9)
32 if 3 not applicable (Q 5, 8, 9)
26-38 if all questions answered
24-36 if 1 not applicable
23-34 if 2 not applicable
21-32 if 3 not applicable
You’ve clearly made solid progress in building a strong financial foundation. You’re either actively investing, managing your debt, or planning for the future with a great level of intention.
Still, there’s always room for refinement — whether that’s maximising tax efficiency, reviewing your investment strategy, or preparing for big life events like retirement, children’s education or legacy planning.
13-25.5 if all questions answered
12-23.5 if 1 not applicable
11-22.5 if 2 not applicable
10-20.5 if 3 not applicable
You’ve already laid some important groundwork — maybe you’ve started investing, built up super, or set financial goals. That’s fantastic progress.
With a few adjustments, clearer strategies, and some expert support, you could move from financial confidence to real financial empowerment.
0-12.5 if all questions answered
0-11.5 if 1 not applicable
0-10.5 if 2 not applicable
0-9.5 if 3 not applicable
You’re not alone — many Australians feel unsure about where to start. If you’re feeling disorganised, unsure, or worried about the future, now’s the time to take control.
Working with a financial adviser isn’t just for the wealthy — it’s for anyone who wants clarity, confidence, and a roadmap forward.
No matter your score, ActOn Wealth can support you with clear, strategic advice to help you take control of your financial future. Whether it’s optimising your super, reducing tax, planning for retirement or aligning investments with your values – we’re here to help.