Lift Off / Calculators
Budget Planner
Map your income against your expenses to see exactly where your money goes — and how much you have left over each month.
Enter your after-tax take-home pay. KiwiSaver contributions (3%+) are deducted before you receive pay — your bank deposit is your take-home.
Spending Breakdown
$5,000/mo
Total Income
$3,100/mo
Total Expenses
+$1,900
Monthly Surplus
+$22,800/yr
Annual Surplus
38.0%
Savings Rate
36.0%
Housing % of Income
Above 30% guideline
Want to turn your budget into a savings and investment strategy?
We help convert your surplus into a plan that actually compounds.
All amounts are shown as monthly equivalents. This calculator is for illustrative purposes only and does not constitute financial advice. For a personalised budget review, speak with a Lift Off adviser.