Interactive tool

Income vs Expenses Gap Calculator

Enter your monthly income and spending to see your gap — monthly, annualised, and which financial position you're in right now.

1
Your monthly income
Use what actually lands in your account after tax — not your gross salary. Include wages, benefits, side income, and anything that comes in regularly.
$
If your income varies, use the average of your last 3 months — or your lowest recent month to be conservative.
2
Your monthly spending
Your total from Day 1 — the sum of every category you tracked.
$
Include everything: housing, food, transport, subscriptions, debt repayments, and every other category.
Optional: How long have you been in your current financial position?
This is just for you — it doesn't affect the calculation. Writing it down makes it real.
3
Your survival budget — optional
From Day 5. If you've calculated your survival number (your essential expenses only), enter it here to see your discretionary space.
$
Your survival number = rent/mortgage + utilities + groceries + transport + debt minimums + other non-negotiables.