Budget Planner

Use our free online budget planner to calculate your expenses, work out your surplus income and find areas to save more money.

Get started

Manage your spending and reach your savings goals sooner with our Budget Planner Calculator. Whether your goals are to buy a house, a car, manage your debt, or simply help ensure you’re spending within your limits, this calculator is a great tool to help take control of your budget.

Research tools
Budget planner
Savings calculator
Term deposit calculator
How to save more money
10 top budgeting tips
Ways to bank with Heritage Finance Holdings
Interest rates for accounts
More interest rates