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Understand your expenses


Knowing how you spend your money can help you budget and plan for your future financial goals, like buying a home.

This tool can help you consider the costs that make up your lifestyle and should take around 10 to 15 minutes to complete. You might like to have your bills and statements handy before you start.

Remember to print or save a copy of your expenses for your own records or to bring to a future ANZ appointment.

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Our repayments calculator can give you an estimate of your potential loan repayments.

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Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian credit licence number 234527.

ANZ Mobile Lending representatives operate as ANZ Mortgage Solutions, independently operated franchises of ANZ.

The results generated by using this tool are a general guide only and assume that the information you provide is complete and accurate. You do not have to use this tool in order to apply for a home loan with ANZ, and using this tool to estimate expenses does not give you pre-approval (or any other approval) for a loan. ANZ does not store the information you provide in this tool or use it for the purposes of assessing your application. You will be required to provide information about your expenses (and income and other matters) if you apply for a home loan.

Property price predictions are estimates, not valuations. Predictions are available for listed properties only (exceptions apply), are for personal domestic use and may change daily. Actual sale prices may be different. Accuracy is assessed on final predictions prior to sale, national market comparison of free price predictors for listed properties and sales data as at August 2018. If ANZ is unable to provide a property price prediction, a property price range may be provided (which is not accuracy assessed in the same way as a property price prediction).

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