Budgio

Dashboard

Budget Schedule Choose how your budget is organised. This controls whether your dashboard shows weekly, fortnightly, or monthly amounts.

Next Pay Day Enter your next expected payday. After that date passes, this field automatically rolls forward to the next payday (weekly, fortnightly, or monthly). You can change it anytime.

Profile Profiles let you keep separate budgets and settings. For example, you could have a Personal and Household profile.

Current Budget Period —

Fortnightly Income

$0.00

Fortnightly Expenses

$0.00

Remaining

$0.00

Next Income

No income added

Upcoming Payments

Today through next week

Enter your current bank balance, then click bills below to see how much you'll have left after paying them.

In the bank − — = — Select bills below

Name	Amount	Paid	Due in

Income

Name	Amount	Frequency	Next Payment	Actions

Recurring Payments

Sort

Name	Amount	Frequency	Next Due	Actions

One-Off Payments

Name	Amount	Date	Actions

Savings Calculator

New Savings Goal

Goal Name

Target Amount

Save By

Add to calendar and include in Remaining When enabled, weekly savings amounts appear on the calendar through your target date, and the contribution is subtracted from your Remaining amount.

Time Remaining —

Save Each Week —

Save Each Fortnight —

No savings goals yet

Create a goal with a target amount and date to see how much you need to save each week.

Pay Calculator

Enter your hourly rate to estimate take-home pay. Pick your country below. Estimates only — not official tax advice.

Your Details

Hourly Rate ($)

Hours Per Week

Student Loan repayments Deducts 12% of income above the $24,128 annual repayment threshold (2026/27). KiwiSaver contributions Employee contribution deducted from your pay. Employer contribution is shown separately and is not taken from your wages.

Employee KiwiSaver %

Show employer contribution (3%)

Student Loan (Plan 2) Estimates 9% of income above the Plan 2 threshold (£28,470 for 2025/26). Other plans differ. Workplace pension Employee contribution deducted from pay (relief at source estimate). Employer contribution is shown separately if enabled.

Employee pension %

Show employer contribution (3%)

HELP / HECS repayments Uses the 2025–26 marginal HELP repayment system (starts above $67,000). Estimate only. Extra employee super (salary sacrifice) Optional concessional contribution on top of the employer Super Guarantee. Reduces estimated taxable income.

Salary sacrifice %

Show employer Super Guarantee (12%) Employer SG is paid on top of wages and is not deducted from take-home pay. Shown separately for reference.

Filing status

Traditional 401(k) contributions Pre-tax employee deferral. Reduces estimated federal (and state) taxable income. Still subject to FICA.

Employee 401(k) %

Estimated state income tax % 0 for no state tax (e.g. TX, FL, WA). Rough average only — states vary a lot.

Based on 52 paid weeks per year. Assumes primary employment tax code (M / M SL).

Estimated Take-Home

Net pay / week $0.00

Gross pay $0.00

Income tax (PAYE) $0.00

ACC earner levy $0.00

Medicare $0.00

State tax $0.00

Student loan $0.00

KiwiSaver $0.00

Total deductions $0.00

Employer KiwiSaver (3%) $0.00

Effective tax rate 0%

Hourly take-home $0.00

July 2026

Support

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Fortnightly Income

$0.00

Fortnightly Expenses

$0.00

Remaining

$0.00

Next Income

Upcoming Payments

Income

Recurring Payments

One-Off Payments

Savings Calculator

New Savings Goal

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Pay Calculator

Your Details

Estimated Take-Home

July 2026

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