FunanceBuilt from real leftover money
The contribution is drawn from what your budget actually leaves, not a number typed in optimistically on a Sunday night.
Goal planning for Australian householdsCan we actually afford this, and by when?
A savings goal is easy to set and hard to sanity-check, because the honest answer depends on every other commitment you already have. Funance builds the timeline from what is genuinely left over.
Free forever · no card required · no bank login · runs in your browser
Most goal calculators ask for a target and a monthly contribution and divide. That works right up until the contribution turns out to be money that was already spoken for by the mortgage, the car loan and the quarterly bills.
Funance takes the goal timeline from the same numbers as your budget and debts, so a date it gives you is a date that survives the rest of your life.
Eleven goal types are included, and the ones with Australian complications carry their own calculators.
| Goal | Notes |
|---|---|
| New home | Deposit, stamp duty, LMI, repayments |
| Investment property | Deposit, duty, projected costs |
| FIRE | Target drawdown and timeline |
| Wedding, holiday, vehicle | Straight target and date |
| Renovation, study, baby | Straight target and date |
| Emergency fund | Months of expenses, from your budget |
| Custom | Anything not in the list |
New Home and Investment Property include deposit, stamp duty and LMI modelling.
Why the dates hold up
What the tool actually does
Competing goals sit together
Most households are saving for more than one thing. Funance shows them alongside each other so the trade-off is visible.
The house goal knows Australian costs
A deposit is not the only cash you need. Stamp duty by state, LMI where the deposit is under 20%, and first home buyer concessions are all modelled.
An emergency fund that means something
Expressed as months of your actual expenses rather than a round number borrowed from an American blog.
What you need
- Your target amount, or the thing you are buying
- A rough date, if you have one
- Your current savings towards it
- A working budget, so leftover is honest
Questions
The things everyone asks
How many goals can I track?
Eleven goal types are available, including a custom type, and you can run multiple goals at once so competing priorities are visible together.
Does the home goal include stamp duty?
Yes. The New Home goal models deposit, state stamp duty including first home buyer concessions, lenders mortgage insurance where the deposit is under 20%, and the resulting repayments.
Which plan includes Goals?
Goals is part of Pro, at $9.90 a month or $79 a year.
Related
Other things you can work out here
Home equity calculator Australia
Equity is your property's value minus what you owe. Usable equity is a smaller number, and it is the one lenders care about. Confusing the two is how people end up disappointed at the bank.
Home equity calculator →Budget planner Australia
Most budgets fail in week three, when the car registration arrives and the plan quietly stops matching reality. Funance budgets on planned versus actual, so the gap is visible instead of fatal.
Budget planner for Australians →Net worth calculator Australia
Income tells you what came in. Net worth tells you whether any of it stayed. It is the single most useful number a household can track, and almost nobody tracks it.
Net worth calculator →Know where your money goes.
Know where you're going.
Set up your household in about ten minutes. No bank login, no card, no commitment.
Free forever · no card required · no bank login · runs in your browser