This handy tool figures out where your money goes and how much you should have left over, for a simple and complete picture of your financial situation.
| Category | Weekly | Fortnightly | Monthly | Annually |
|---|---|---|---|---|
| Income details | $0 | $0 | $0 | $0 |
| Living Expenses | $0 | $0 | $0 | $0 |
| Insurance / Superannuation | $0 | $0 | $0 | $0 |
| Loans, Credit Card and Store accounts | $0 | $0 | $0 | $0 |
| Motor Vehicle / Transport | $0 | $0 | $0 | $0 |
| Leisure / Entertainment | $0 | $0 | $0 | $0 |
| Taxes Fees and charges | $0 | $0 | $0 | $0 |
| Total income | $0 | $0 | $0 | $0 |
| Total expenses | $0 | $0 | $0 | $0 |
| Surplus | $0 | $0 | $0 | $0 |
Make 5 card purchases/month with a Westpac Choice account and min 1 deposit and higher balance than at the beginning of the month in Life savings account.
Earn up to a generous 2.00% p.a. variable interest on your savings when you spend and save with Westpac. For individuals aged 18 to 29 on Westpac Life account balances up to $30k.
Earn up to a generous 2.00% p.a. variable interest on your savings when you spend and save with Westpac. For individuals aged 18 to 29 on Westpac Life account balances up to $30k.
Read our Mozo Review to learn more about the Life - 18-29 years old
Deposit at least $200 to either Spend or Save account from an external source each month.
Earn up to 1.85% p.a in interest. No monthly fee to pay. Split your money in up to 10 Save accounts. Track your progress on each of your save accounts. Instant access to cash via PayID and Osko. Deposits guaranteed up to $250k per customer.
Earn up to 1.85% p.a in interest. No monthly fee to pay. Split your money in up to 10 Save accounts. Track your progress on each of your save accounts. Instant access to cash via PayID and Osko. Deposits guaranteed up to $250k per customer.
Read our Mozo Review to learn more about the Save Account
Bonus rate when at least $20 is deposited each month and five Visa Debit transactions are made each month using linked Glide transaction account.
Winner of a Mozo Experts Choice Award 2022 in the Regular Saver category. No monthly account fees. Available only on balances up to $250,000.
Winner of a Mozo Experts Choice Award 2022 in the Regular Saver category. No monthly account fees. Available only on balances up to $250,000.
Read our Mozo Review to learn more about the Bonus Saver Account
Bonus rate for the first 4 months from account opening
No account keeping fees. No minimum balance required. Unlimited phone and internet transactions.
No account keeping fees. No minimum balance required. Unlimited phone and internet transactions.
Read our Mozo Review to learn more about the Online Saver
Minimum one deposit and higher balance than at the beginning of the month
Ongoing bonus interest. Savings Goals.
Ongoing bonus interest. Savings Goals.
Read our Mozo Review to learn more about the Life
Lock Saver Feature
Bonus rate of 2.00%. Deposit $2,000 each month, make 5 eligible payments from your Go Account and enable the Lock Saver feature. If you are between 18 and 25 deposit $1,000. 32 days notice for withdrawal and T&C's apply.
Enjoy a high interest savings account bundled with an everyday spending account. No monthly fees. And new customers can get a welcome bonus of 5,000 bonus Virgin Money Points (ends 31/8/22. Offer criteria & T&Cs apply).
Enjoy a high interest savings account bundled with an everyday spending account. No monthly fees. And new customers can get a welcome bonus of 5,000 bonus Virgin Money Points (ends 31/8/22. Offer criteria & T&Cs apply).
Read our Mozo Review to learn more about the Boost Saver with Go Account
For customers who have an Orange Everyday and in each month deposit at least $1,000 into a personal ING account, make at least 5 settled card purchases using the linked ING debit card and grow the account balance.
No ING fees. Great variable rate every month when you grow your balance each month in addition to other eligibility criteria.
No ING fees. Great variable rate every month when you grow your balance each month in addition to other eligibility criteria.
Read our Mozo Review to learn more about the Savings Maximiser
Bonus rate for the first 4 months from account opening
Kick start your savings with the 4 month introductory variable rate. No fees, no minimum balance, no minimum monthly deposit and no minimum term.
Kick start your savings with the 4 month introductory variable rate. No fees, no minimum balance, no minimum monthly deposit and no minimum term.
Read our Mozo Review to learn more about the High Interest Savings Account
^See information about the Mozo Experts Choice Savings accounts Awards
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.
Do you feel like trying to get your financing into some sort of order is like trying to herd cats? That you never seem to have any money a few days before your next pay check? If this sounds like you, it's time for you to sit down and get them in order. The first step in organising your finances is to assess where you currently stand and make a budget plan to move forward. Mozo has a free budget planner to help you get started.
The budget planner template is easy to follow much easily than an Excel file! You simply put in the numbers it asks of you and double check that the payment frequency is correct. The budget calculator will take the data you've provided and let you know how much you have remaining or how much you're overspending by! If that's the case you can then adjust the amounts in the online budget planner to see where you could trim back to make sure you're not over spending. As this is a fully printable budget planner, you can print it off and pin it to your fridge or tuck it in your diary to remind you of the areas you need to cut back on. You can use this free budget spreadsheet as your personal or household budget planner simply add in your partner's financial information to give you an idea of how your household finances are holding up.
This calculator is free from the Mozo website, just like our other services. Once you've used to the budget planner worksheet, you'll have a better idea of your financial standing. If you're in debt, you can use our personal loan comparison service to see which is the best bank to help you get out of debt sooner. If you're slightly ahead of the game, you could start saving take a look at the saving accounts and interest rates provided by Australian banks and credit unions. All this information is presented in an easy to understand manner, so you can choice the best savings provider.
Once you've used the personal budget planner, you'll feel more on top of your finances and more confident in making decisions. You can start planning for future expenses, like a new car or a holiday, without the need for a personal loan with high interest. Don't delay get ahead with your budget planning today and have the things you want in the future!