01
Income
Enter your income and select how often you receive it. For your main income, also choose before or after tax.
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Monthly subtotal$0
Free budgeting tool
Mortgage budget
planner.
See where your money goes. Add your income, everyday expenses, mortgage costs and savings to build a clearer picture of your budget, then download a personalised Traction budget report.
Each amount starts as Monthly. Change the frequency beside any income or expense.
02
Mortgage and Property
Your home loan and associated property costs
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Monthly subtotal$0
03
Insurance
Personal and vehicle insurance premiums
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Monthly subtotal$0
04
Living Expenses
Day-to-day costs of running your household
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Monthly subtotal$0
05
Lifestyle and Discretionary
Dining, entertainment, hobbies and personal spending
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Monthly subtotal$0
06
Debt Repayments
Other loans, credit cards, hire purchase
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Monthly subtotal$0
07
Savings and KiwiSaver
Regular savings contributions
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Monthly subtotal$0
This budget planner is an illustrative tool, not a lender affordability assessment or personalised financial advice. Amounts are based on your entries and do not account for all lender requirements. If you select before-tax income, the remaining balance excludes income tax. Avoid counting KiwiSaver contributions twice if already reflected in take-home pay. For guidance specific to your situation, contact Traction Financial Services.
