📒 Budget Planner
Ten plain categories - mortgage or rent, transport, food, the rest - and one minute is enough to see your monthly and yearly surplus. The real point isn't the budget itself: it's what that surplus becomes if it's invested instead of left sitting there, shown against simply saving the same amount with no growth at all.
Skip whatever doesn't apply - an empty category is left out of your spending, never silently counted as zero.
The same yearly surplus compared with zero growth against the S&P 500 and ASX 200's own long-run historical averages.
Every filled category shows its own "invested over N years" figure, using the same formula as the headline numbers.
Your whole year's savings is treated as one deposit made at each year-end, compounded at the rate you choose for the remaining years - a standard annuity future-value calculation, shown so you can check it by hand.
Whichever you pick - the S&P 500 and ASX 200's own long-run nominal historical averages are offered as a starting point, clearly labelled as history, never a forecast.
Described calculations from your inputs - not tax or financial advice.