Australian Household Budget Spreadsheet | Fortnightly Pay Budget Planner, Bill Calendar, Expense Tracker | Excel Template

An Excel household budget built around how Australians are actually paid and billed: weekly, fortnightly or monthly pay, quarterly and yearly bills, and a July to June year.

WHAT YOU GET

• Australian-Household-Budget_Blank.xlsx: ready for your own numbers
• Australian-Household-Budget_Example.xlsx: the same workbook filled in for a sample household, so you can see how it works
• Instant download, Excel (.xlsx) format, no macros

HOW IT WORKS

1. Setup: enter your pay (up to two people; weekly, fortnightly or monthly) and your bills with how often they are due and, for quarterly or yearly bills, which month.
2. Budget: every bill is converted to a per month, per year and per pay amount, with a 'set aside each pay' figure so big bills never surprise you.
3. Calendar: shows which bills land in which month across the July to June year, and flags months where bills are higher than income.
4. Tracker: type what you actually spent each month and see over or under budget for every category.
5. Overview: a 50/30/20 check (needs, wants, savings) against your own targets, charts, and a month by month table.
6. Check sheet: tests that the totals add up.

SET UP FOR AUSTRALIA

30 ready categories such as council rates, rego, water, electricity, health insurance, super and school costs. The yellow cells are the only ones you type in. Amounts are in dollars.

COMPATIBILITY

Built and tested in Excel format (.xlsx) and checked by recalculating in LibreOffice. It uses standard formulas only. It can be imported into Google Sheets via Google Drive, but this has not been tested for every feature, so please use Excel or LibreOffice if you want to be sure everything (including charts) looks as pictured.

GOOD TO KNOW

• Digital download only. No physical item will be posted.
• For personal use only. Please do not resell, share or upload the files.
• Designed by LifePlanLabs. Created with the help of AI tools.
• A general planning tool, not financial advice.