Budget Coach

Budget Coach

Build a clear household budget first, then carry the saved snapshot into Strategy Builder. Manual editing stays available when you need it.

Stored locally in this browser. General information only — not financial, credit, tax, legal, or investment advice.

Why this step matters
Budget Coach gives the rest of the journey a grounded starting point: income, expenses, savings, deposit target, emergency buffer, and confidence flags. Strategy Builder should not start until those assumptions are visible.
Start with the guided coach or fill the fields below. Blanks and estimates stay visible so the next step knows what still needs review.
Guided handoff
Each step saves the assumptions the next step needs, so you can keep moving without re-entering the same facts.

Step 1

Budget Coach

Step 2

Strategy Builder

Step 3

Portfolio Planner

Step 4

Deal Analysis

Next:Save this budget, then continue to Strategy Builder with surplus, savings, deposit velocity, and readiness carried forward.
Educational planning only. Keep assumptions visible and get professional advice before acting.

Budget decision dashboard

First check: cashflow, completeness, readiness, then the next action.

Draft — needs review

Monthly income

$0

$0 annual

Monthly expenses

$0

$0 annual

Surplus / deficit

$0

$0 annual

Completeness

0%

15 missing/unknown inputs · Build buffer before progressing

Next best action

Confirm 15 blank or unknown budget inputs.

Local storage boundary
Your draft is saved in this browser only. No bank feed or external service is connected.

Budget data is stored only in this browser's localStorage underproptrack:budget:v1:household. Invalid amounts cannot overwrite the saved copy.

General education only. This tool does not provide financial, credit, tax, legal, or investment advice. Professional validation still matters.

Saved budget status
Initialising local budget intake…

Budget ID

budget-1777299489303

Updated

27 Apr 2026, 2:18 pm

Validation

15 blank/unknown inputs flagged

Budget setup
Start with household details, planning mode, deposit target, and emergency buffer so the budget has context.

Income

Take-home income and recurring non-salary income. Blanks count as zero and stay flagged for review.

3 rows · tap to collapse
missing input · treated as $0Monthly: $0.00Annual: $0.00
missing input · treated as $0Monthly: $0.00Annual: $0.00
missing input · treated as $0Monthly: $0.00Annual: $0.00

Living essentials

Groceries, utilities, health, insurance, education, and day-to-day essentials.

3 rows · tap to expand
missing input · treated as $0Monthly: $0.00Annual: $0.00
missing input · treated as $0Monthly: $0.00Annual: $0.00
missing input · treated as $0Monthly: $0.00Annual: $0.00

Lifestyle & leisure

Dining, subscriptions, holidays, gifts, hobbies, and discretionary spending.

3 rows · tap to expand
missing input · treated as $0Monthly: $0.00Annual: $0.00
missing input · treated as $0Monthly: $0.00Annual: $0.00
missing input · treated as $0Monthly: $0.00Annual: $0.00

Transport

Fuel, rego, servicing, public transport, rideshare, parking, and tolls.

2 rows · tap to expand
missing input · treated as $0Monthly: $0.00Annual: $0.00
missing input · treated as $0Monthly: $0.00Annual: $0.00

Housing

Rent, mortgage, strata, council rates, maintenance, and household services.

2 rows · tap to expand
missing input · treated as $0Monthly: $0.00Annual: $0.00
missing input · treated as $0Monthly: $0.00Annual: $0.00

Custom other

Workbook-style custom rows for anything that does not belong above.

2 rows · tap to expand
missing input · treated as $0Monthly: $0.00Annual: $0.00
missing input · treated as $0Monthly: $0.00Annual: $0.00