Guided household budget · Conversational builder

Build a broker-ready budget with a guided coach.

Start with the dashboard, then let the local coach point you to the next missing income, expense, buffer, or readiness input. Manual editing stays available when you need it.

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

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 persistence boundary
Browser-local MVP storage. No bank feed, AI provider, or external service call is made here.
HB-017 / HB-018

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-1777200532588

Updated

26 Apr 2026, 10:48 am

Validation

15 blank/unknown inputs flagged

Budget setup
Saved locally with household details, strategy mode, deposit target, and emergency buffer assumptions.

Income — edit categories manually

Take-home income and recurring non-salary income. Blanks count as zero and are flagged.

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