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Make saving a
piece of cake

Getting on top of your saving is simple as.

Avoid accidentally dipping
into your bills money

Save and watch
your money grow

Know what you can
spend, guilt-free

How to get on top of your savings

Setting up your money in separate accounts can be a great way to help you save. 

bills pot


Having a separate account for bills such as rent, internet and utilities means you can avoid accidentally dipping into your bills money.

savings pot


Transferring the amount you can save into a separate account can help you reach goals like a holiday or new home.

everyday pot


Whatever you have left can safely be used for everyday expenses like groceries, coffee or a night out with friends.

With auto transfers set up between your accounts, saving really can be a piece of cake!

A small change can make a big difference

It's amazing to see how much you could save just by changing a little habit.

This is an estimate only. It is provided for illustrative purposes only and is based on the accuracy of information provided. ANZ does not store the information provided in this calculator.

Simple as 1-2-3


Figure out your money

Get a clear picture of your spending by working out your bills and everyday expenses.  From there, see how much you’ll need to put aside each payday and how much to regularly save.

If you have any debt, it may be a good idea to focus on debt reduction before you kick off your saving.

Need help? Check out the tools below.

Calculator and tools for figuring out your financial situation

Budget planner

Break down your spending and how much to put away each pay.

Savings calculator

See how much and how long you'll need to reach your goal.


Set up your system

Consider separate accounts for your:

  • bills
  • savings
  • everyday spending

If you create new accounts , think about the features you'll need and any fees and charges that may apply.

Explore our account options below.

Helpful links to set up your system

Compare savings accounts

See the benefits and features available to you.

Everyday accounts

Explore ANZ transaction accounts.


Simplify with auto transfers

Think about setting up recurring auto transfers between your accounts.

For example, if your pay goes into your everyday account, create auto transfers:

  • to cover your bills
  • for regular savings

The rest is available for guilt-free spending. 

Internet banking

Internet banking

Log in to internet banking to create recurring auto transfers between your accounts.

How to set up an auto transfer using internet banking?

Want to improve your financial skills?
Free online course available

Introducing MoneyMinded. A self-paced, free, online resource to help people build their financial skills, knowledge and confidence. Whether you're looking to create a budget, reduce your debt or start saving, our program has something for you.


Find out more

How to get started...

Call us

1300 765 628

Mon-Fri, 8am to 8pm (AEST)

Do it yourself online

Internet banking

Visit a branch

Locate us

Advice does not take into account your personal needs and financial circumstances. Please consider if it is appropriate for you and read the terms and conditions, Product Disclosure Statement and Financial Services Guide before acquiring any product. Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.