Australian household planning tools
Everyday Money Calculators Australia
Plan property investment returns, rent, moving costs, savings, repayments and everyday affordability with transparent assumptions and practical outputs.
Flagship tools
Start with the decision you need to make
Decision guides and worked examples
Use these guides to check assumptions, understand the formulas and stress-test the result before acting.
Useful supporting calculators
Use these focused tools to check individual figures alongside the broader decision calculators.
Rent affordability is a cash-flow question
The commonly quoted 30% rent-to-income benchmark is a rough warning signal, not a universal rule. A household with high transport, debt, medical or care costs may struggle below 30%, while another household may choose to spend more because other expenses are low.
The rent calculator therefore shows the benchmark but bases the core result on the income and essential costs entered. The most useful number is the money left after rent and recurring essentials, not the ratio by itself.
Moving requires more than the bond
Upfront moving cash can include the rental bond, rent in advance, removal costs, utility connections, cleaning, temporary overlap between properties and an emergency buffer. State and territory rental rules differ, so the calculator lets you enter the number of bond and advance-rent weeks instead of hard-coding one legal maximum.
Use scenarios before committing
Run the same calculation with a higher electricity estimate, an extra transport cost and a realistic emergency buffer. A decision that only works under the cheapest scenario is fragile. The saved-result feature lets you keep several versions for comparison.
Frequently asked questions
Is 30% of income always an affordable rent?
No. It is only a broad benchmark. Actual affordability depends on net income, debts, transport, utilities, dependants and other essential costs.
Does the calculator know the bond rules in my state?
No. Bond and rent-in-advance limits vary. Enter the applicable number of weeks and confirm the rules with your state or territory tenancy authority.
Should I use gross or net income?
Use take-home income because rent and household expenses are paid from money received after tax.
Does this replace a budget?
No. It is a focused housing-cost scenario. A complete budget should also include irregular annual expenses and personal priorities.