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Budget Spreadsheet Australia
A budget spreadsheet built for Australians: A$, Aussie bills and pay cycles, ready for Excel and Google Sheets.
Most free budget templates online are American: monthly pay, US dollars and bills you don't have. Ours are set up for how Australians are paid and what we pay for.
What an Aussie budget spreadsheet needs that US ones don't
- A$ and Australian bills: rego, CTP, quarterly power and water, private health, council rates.
- Fortnightly pay: most US templates assume monthly or semi-monthly pay (24 pays), not 26 fortnights.
- Super is already taken care of: your employer pays super on top, so budget from take-home pay.
Example: converting bills to a fortnightly figure
| Bill | Charged | Example amount | Per fortnight |
|---|---|---|---|
| Car rego (yearly) | Yearly | A$900 | A$900 ÷ 26 = A$34.62 |
| Electricity | Quarterly | A$450 | A$450 × 4 ÷ 26 = A$69.23 |
| Phone | Monthly | A$50 | A$50 × 12 ÷ 26 = A$23.08 |
| Rent | Weekly | A$550 | A$550 × 2 = A$1,100 |
Example figures only, for illustration. Use your own numbers.
Spreadsheet vs app vs pen and paper
| Spreadsheet | Browser app | Pen & paper | |
|---|---|---|---|
| Does the maths | Yes | Yes | No |
| Works offline | Excel yes; Sheets needs setup | Yes | Yes |
| Customise categories | Fully | Yes | Fully |
| Best for | People who like tinkering | Quick daily check-ins | Absolute beginners |
General comparison.
Start free with the Mini Paycheck Budget.
General information only, not financial or tax advice.
Is there a free Australian budget spreadsheet?
Yes, our Mini Paycheck Budget is free. The premium spreadsheets add bills calendars, goals and debt payoff.
Why not use a US template?
US templates usually assume monthly or twice-monthly pay and US bills. Aussie templates match fortnightly pay and local costs like rego.
Should I budget from gross or net pay?
Net, the amount that lands in your account.
Related
Fortnightly Budget Spreadsheet · Slate Money HQ app · Budget Planner Bundle · Free Mini Paycheck Budget
Try it in an app
Fortnightly Budget Dashboard (A$29, one-off): Plan every payday: bills smoothed across fortnights, a tick-off payday planner, three-pay months and savings goals.