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Plan your spend

Whip out your calculators - we’re about to give away the ultimate Financial Wellbeing tool: a budget shortcut. This first step in our program is all about getting your spending ducks in a row. You’ll reflect on your priorities, create a quick budget and set yourself up for success. Ready?

1. Sort your spend

Divide and conquer your expenses

Finding a balance between what you need and what you really, really want is what makes a budget work. So first, divide your expenses into wants and needs based on what’s important to you. Fine dining, movie nights, fresh clothes, daily coffees. What’s essential in your world?

Keeping the wants alive

We’re all about budgeting smarter, not harder. Use cheap ticket nights. Download apps that give discounts to members. Subscribe to all the newsletters to be the first to hear about sales. If it is a priority for you, then you can make it work.

ANZ's budget planner showing a breakdown of expenses, savings and goals

The ANZ Budget Planner is a tool provided for illustrative purposes only. The results generated by using the ANZ Budget Planner tool are based only on the information you have provided, and are not stored by ANZ.

2. Plan your budget

Here's the thing - it's not just about what you have, it's also about learning how to manage what you’ve got.

Our budget planner is where you start. Simply add in your income, your expenses and other important monthly costs, and you can create your own budget. By the end you’ll have a better understanding of your finances and can start prepping for the future.

Want to be more accurate? Having the following on hand will help:

  • Three recent bank statements
  • Recent utility bills
  • Information for all loan accounts
  • Credit card statements

Budget plan - tick. Nice work.

Keeping your budget close will help you see your costs more clearly. Download your budget so you can refer to it as you work through the rest of the program.

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Pro tip

Things change and your budget should too. Come back and redo your budget in six months to see how your spending habits have changed.  

3. Track your spend

See where your money goes

Keeping track of where your money is going – from daily spending to every deposit into your savings – can help you stay on track. Download a dedicated tracking app, have a weekly date with an excel spreadsheet, or go analogue with pen and paper. However you choose to do it, the important thing is that you’re actively watching your spending.

ANZ Spendi

To make it even easier, most banks have a spend-tracking feature built right into their app – such as ANZ Spendi in the ANZ App, where you can set a daily budget on an account, then ANZ Spendi will show you daily spending at a glance, bonus emojis included. 

Get ANZ Spendi in the ANZ App



ANZ's spendi app feature tracking for tracking your spending 

Check you out, you’ve just planned your spend.

Now that you have a budget plan in place, you’re ready to start making the most of your money.

What's next?

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Manage debt

The good, the bad and the useful.

Get started

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Set a savings goal

Set it, to get it.
Start saving


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Organise your accounts

Set, select and relax.
Start organising

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Invest in your future

Smart ways to grow your wealth.
Start now

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Know where you're at

Calculate your Financial Wellbeing Score.
Get my score

The information set out above is general in nature and has been prepared without taking into account your objectives, financial situation or needs.  By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations.  You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.

The ANZ Budget Planner is a tool provided for illustrative purposes only. The results generated by using the ANZ Budget Planner tool are based only on the information you have provided. It does not constitute a quote or financial advice, and ANZ does not endorse or approve any budget created using the ANZ Budget Planner. Before considering if any product is right for you, you should take into account your objectives, personal needs and financial circumstances and consider whether it is appropriate for you. 

ANZ does not use the information you provide for the purpose of assessing any application.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

ANZ App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store.

Apple, Apple Pay, Apple Watch, Face ID, iPad, iPhone and Touch ID are trade marks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trade marks