Take full control of your financial future with Madd Loans comprehensive Budget Planner Calculator. Designed for those who want more than just a surface-level estimate, this tool deep-dives into your finances to provide a crystal-clear picture of where your money goes.
Understand your income and spending so you can plan for your home loan with confidence.
Need help working out how much you can borrow?
Our team at Madd Loans can help.
Most calculators stop at “Rent” and “Groceries.” We don’t. To get you the best results from lenders, we need the full story, and this tool helps you write it.
Deep-Dive Granularity: From streaming subscriptions and school fees to that occasional car service, we’ve included every category you need to ensure nothing slips through the cracks.
Autosave & Excel Export: Life happens. If you get interrupted, your progress is automatically saved. Pick up exactly where you left off without losing a single entry.
Take It Offline: Once you’ve completed your digital budget, export the entire thing to Excel. Our export includes pre-built formulas, allowing you to keep tweaking your numbers offline.
A budget gives you a clear, honest picture of your income versus your expenses. When it comes time to apply for a home loan, you’ll already know what repayments you can comfortably manage without stretching yourself too thin. This means fewer surprises down the track and more confidence when making one of the biggest financial decisions of your life.
Most people are surprised when they see their spending laid out in front of them. Small daily expenses like coffee, subscriptions, and takeaway can quietly add up to hundreds of dollars a month. A budget helps you identify those areas so you can make smarter choices and redirect money towards your savings goal, deposit, or paying down existing debt faster.
Walking into a loan application with a completed budget signals to brokers and lenders that you’re serious, organised, and in control of your finances. It can make the pre-approval and approval process smoother and faster, and gives your broker the information they need to find the right loan for your situation from day one.
A great budget is the first step toward your next property goal. While this calculator manages your spending, our experts at Madd Loans manage your potential.
Knowing your surplus is powerful, but knowing your Borrowing Capacity is the key to the front door of your new home. Banks look at your budget differently than you do, let us show you how they see your numbers.
Stop guessing. Start planning.
After completing your budget, hit the button below to book a quick chat with a Madd Loans broker. We’ll use your data to calculate your maximum borrowing capacity across 30+ lenders.
Let’s dive into the commonly asked questions about the budget planner.
Yes, the Madd Loans Budget Planner is completely free. You can use it as many times as you like, adjust your figures, and export your budget to Excel at no cost. There’s no sign-up or account required.
No. All of your information stays on your device. Nothing is sent to a server or shared with Madd Loans or any third party. If you turn on the autosave feature, your data is stored locally in your browser so you can come back to it later — but it never leaves your computer or phone.
The view toggle at the top changes how your totals are displayed. Your individual line items keep the frequency you set for each one — the planner automatically converts everything to your chosen view so you can see your full budget in the timeframe that makes the most sense for you. Most people find monthly easiest since that’s how most bills and pay cycles work.
The Excel export gives you a permanent copy of your budget that you can save, print, or share with your partner, accountant, or broker. It also includes live formulas, so you can continue adjusting your numbers directly in the spreadsheet and everything will recalculate automatically — even without an internet connection.
Understanding your income and expenses is one of the first steps in the home loan process. A completed budget helps you work out what repayments you can realistically afford and gives your broker the information they need to find the right loan for your situation. If you’d like help taking the next step, our team at Madd Loans is happy to walk you through your options.
Don’t stress about finding the best loan. We’ll handle it! Answer this quick question, and we’ll search our extensive network to find the ideal loan for you for free.
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Awesome! We’ll get right on this. Please fill out the form and the team will be in touch.
This includes: