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Budgeting helps you to be in control of your money. Whether you're creating your first budget, trying to reduce expenses or looking for support with rising costs, these tools and guides can help.
Take control of your money
How to do a budget. A budget helps you understand how much money is coming in and going out. Learn five simple steps to create a budget that works for your lifestyle and financial goals. Take control of your money, reduce financial stress and make it easier to save for the things that matter.
Track your spending. Tracking your spending shows you where your money goes and helps you spot habits that may be costing more than you realise. Find opportunities to save, avoid overspending and feel more confident about your money decisions.
Simple money manager. Use our simple budgeting tool to quickly compare the money coming in and going out. Available in a range of community languages. Get an instant snapshot of your finances without creating a detailed budget.
Budget planner. Use our free online budget planner to build a detailed budget, understand your spending and test different savings scenarios. See exactly where your money is going and identify practical ways to improve your financial position.
Make your money go further
Cost of living help. Explore practical tools, calculators and guidance to help manage rising living expenses, reduce bills and find available support. Get ideas to cut everyday costs, make your money go further and access help when you need it.
Ways to save on food and fuel. Get practical tips to reduce two of the biggest ongoing household expenses, from grocery shopping strategies to fuel-saving tools. Keep more money in your pocket by cutting everyday spending without sacrificing what you need.
Ways to save on electricity and gas costs. Learn how to compare energy providers, reduce energy use and find rebates and assistance that may lower your bills.
Avoiding sales pressure. Learn how to recognise common sales tactics, resist pressure to make quick decisions and shop with confidence.
Find extra support
Managing on a low income. Find information on government support, concessions, rebates, low-cost banking options and other practical ways to manage your finances when money is tight.
Managing on a casual income. Learn strategies for budgeting when your income changes from week to week, including saving for lower-income periods and managing bills. Build a financial buffer and feel more prepared for income ups and downs.
Get practical cost‑of‑living help with Moneysmart’s tools, calculators and tips. We have suggestions and links to help you cut expenses, manage your budget and find support.