Budget calculator

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.

Results

Results
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

Savings account comparisons on Mozo - last updated 22 February 2024

Search promoted savings accounts below or do a full Mozo database search. Advertiser disclosure.
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    Reward Saver Account

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    5.25% p.a. (for $0 to $1,000,000)
    0% p.a.(for $0 and over)
    Yes up to $250,000

    Intro bonus rate of 5.25% for balances up to $1,000,000 for the first 4 months, reverting to 3.25%. Minimum deposit of $50 and no withdrawals.

    Introductory bonus rate for balances up to $1,000,000 for the first 4 months. Minimum deposit of $50 and no withdrawals. Start your account online in under 10 minutes and earn interest on balances up to $1,000,000 (T&Cs apply). No monthly account fees, helping you save smarter and faster.

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    Details
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    Mozo Experts Choice 2023
    High Interest Savings Account

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    5.75% p.a. (for $0 to $250,001)
    4.40% p.a.(for $0 to $250,001)
    Yes up to $250,000

    Bonus rate for the first 4 months from account opening

    Reward yourself with a higher rate for your good savings habits with the Rabobank High Interest Savings Account . Receive the maximum rate when you grow your balance by at least $200 each month. No Account keeping fees. No minimum balance.

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    Hero Saver

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    4.60% p.a. (for $0 to $250,001)
    1.00% p.a.(for $0 to $5,000,001)
    Yes up to $250,000

    Minimum deposit of $200 and no withdrawals in the month.

    Earn a generous variable rate on balances up to $250,001 each month you deposit at least $200 (excluding interest) on or before the last business day each month and make no withdrawals during the month. $0 account maintenance fees. Create a goal, set up regular deposits and track your progress on the Bankwest app.

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    Reward Saver

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    5.25% p.a. (for $0 to $100,000)
    0.30% p.a.(for $0 and over)
    Yes up to $250,000

    Earn a high interest bonus rate if you hold an eligible transaction account and meet the bonus rate conditions (T&Cs apply). Only requires $1 to open. Free e-banking transactions. No monthly service fees to pay. Access your account via e-banking or the Bendigo Bank app. Not applicable to business customers.

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    High Interest Save Account

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    5.10% p.a. (for $0 to $250,000)
    0.10% p.a.(for $0 and over)
    Yes up to $250,000

    Deposit at least $200 to either Spend or Save account from an external source each month.

    No monthly fees on any of your save accounts. Split your money with up to 10 Save accounts. Set savings targets and track the progress of all your Save accounts. Deposits guaranteed up to $250K per customer.

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    Mozo Experts Choice 2023
    Bonus Saver Account

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    5.00% p.a. (for $0 to $250,000)
    0.05% p.a.(for $0 and over)
    Yes up to $250,000

    Bonus rate when at least $20 is deposited each month and five Visa Debit transactions are made each month using linked Glide transaction account.

    Start saving and earn interest with just a $20 deposit and make 5 eligible transactions each month. No fees or penalties for withdrawing money.

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    Saver Account

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    4.35% p.a. (for $0 to $1,000,000)
    0% p.a.(for $0 and over)
    Yes up to $250,000

    Make 5 or more successful card purchases per calendar month using your Up debit card and digital wallets (ATM transactions excluded).

    Earn bonus interest when you make 5 purchases per month. No fees. Set up multiple savers via Up’s award-winning app (all eligible for bonus rate). Innovative features include custom pay cycle, automations, round-ups, and automatic split payments across your savers when your pay arrives. Winner of 2023 Mozo Experts Choice Award Excellent Banking App^.

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    Mozo Experts Choice 2023
    Savings Account

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    5.50% p.a. (for $0 to $250,000)
    4.75% p.a.(for $0 to $1,000,000)
    Yes up to $250,000

    Bonus variable rate is available for the first four months.

    Competitive introductory variable rate for first 4 months (on deposits up to $250,000). No account keeping fees to pay. Multiple 2023 Mozo Experts Choice Award winner.

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Budget calculator quick links

^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.

Make the most of Mozo's free budget planner

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 money budget planner

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.

Life after budgeting: borrowing and saving

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.

The rewards getting your finance in check

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!