Budget Planner

The Budget Planner will help you organise and take control of your finances. Simply enter the details to work out your commitments and whether you have a surplus to spend or save.

You can enter information for different periods - weekly pay, monthly rent and annual insurance for example. The Planner will automatically multiply or divide showing a budget for the period you want - from weekly to annually.

If you're not sure about what you may spend, sample expenses has average figures you can use.

For your security, this completed Planner is not saved or stored on the Internet. However, you can print it from your browser.

Expenses

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General Payments			Frequency
	Loan and HP repayments	$	weeklyfortnightlymonthlyannually
	Home loan repayments / rent / board	$	weeklyfortnightlymonthlyannually
	Credit cards	$	weeklyfortnightlymonthlyannually
	Superannuation	$	weeklyfortnightlymonthlyannually
Household (sample expenses)
	Rates / Body Corporate	$	weeklyfortnightlymonthlyannually
	Electricity, gas, heating (sample expenses)	$	weeklyfortnightlymonthlyannually
	Telephone and tolls	$	weeklyfortnightlymonthlyannually
	Mobile	$	weeklyfortnightlymonthlyannually
	Internet, cable, satellite	$	weeklyfortnightlymonthlyannually
	Home maintenance / repairs	$	weeklyfortnightlymonthlyannually
	Household help (cleaning / gardening)	$	weeklyfortnightlymonthlyannually
Family
	Food (sample expenses)	$	weeklyfortnightlymonthlyannually
	Clothes / shoes (sample expenses)	$	weeklyfortnightlymonthlyannually
	Personal / pharmacy / grooming	$	weeklyfortnightlymonthlyannually
	School fees, tuition, childcare	$	weeklyfortnightlymonthlyannually
Personal
	Eating out	$	weeklyfortnightlymonthlyannually
	Gifts / donations	$	weeklyfortnightlymonthlyannually
	Entertainment (e.g. CDs, books, movies, hobbies)	$	weeklyfortnightlymonthlyannually
	Holidays	$	weeklyfortnightlymonthlyannually
	Subscriptions / memberships	$	weeklyfortnightlymonthlyannually
Transport (sample expenses)
	Fuel and oil	$	weeklyfortnightlymonthlyannually
	Repairs and maintenance / WOF	$	weeklyfortnightlymonthlyannually
	Vehicle registration	$	weeklyfortnightlymonthlyannually
	Train / bus / taxi fares / parking	$	weeklyfortnightlymonthlyannually
Insurance
	Vehicle	$	weeklyfortnightlymonthlyannually
	Home / contents	$	weeklyfortnightlymonthlyannually
	Medical, income protection, accident, life	$	weeklyfortnightlymonthlyannually
Regular deposits for savings		$	weeklyfortnightlymonthlyannually
Other expenses or outgoings (for you to fill in)
		$	weeklyfortnightlymonthlyannually
		$	weeklyfortnightlymonthlyannually

Income

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Salary / earnings (net, after tax)		$	weeklyfortnightlymonthlyannually
Rental (net)		$	weeklyfortnightlymonthlyannually
Investment income, (net) e.g. dividends		$	weeklyfortnightlymonthlyannually
Other regular income, (net) e.g. interest, allowances		$	weeklyfortnightlymonthlyannually

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Your budgeting period (will recalculate the whole sheet for the new period)			weeklyfortnightlymonthlyannually
Results
Total Expenses		$
Total Income		$
Total Surplus / Shortfall		$

 

Sample Expenses

Use these figures when you're not sure of your expenses.

Typical household expenses (average household expenditure per week)

	Food	Household Energy	Household Expenses*	Clothing	Transport
1 person household	$67.90	$24.40	$24.80	$13.20	$64.20
2 person household	$146.90	$35.30	$51.80	$28.80	$135.00
3 person household	$191.10	$41.90	$54.80	$42.70	$158.30
4 person household	$215.50	$43.60	$68.30	$52.20	$194.70
5 person household	$214.00	$45.30	$66.10	$39.10	$159.40

Source: Statistics New Zealand Household Economic Survey (as at 30 June 2007)
* Includes household appliances, furniture, floor coverings, supplies and services.

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If you have a surplus you should make sure it is working for you. Consider opening a National Bank Ready Saver, National Bank eSaver or National Bank Online Account. If it is a regular surplus you could consider starting a retirement plan.

If you'd like to talk to someone about any of these options, call 0800 18 18 18, contact any branch, or e-mail us.