Tools, calculators and recommendations
A plan only helps if you act on it. These are the free, credible tools and simple frameworks we point readers to most. We do not take payment to list anything here, and we favour independent and government sources over anything trying to sell you a product.
Last updated 1 July 2026
Free calculators we trust
Australia has excellent independent tools already. Start with these rather than a random app.
Budget planner
The free, independent government budget tool. A trustworthy first stop for mapping income and spending.
ASIC MoneysmartCompound interest calculator
See how regular investing snowballs over time. Great for making the case to your future self.
ASIC MoneysmartSuperannuation calculator
Estimate your retirement balance and test what a small extra contribution could do.
ASIC MoneysmartMortgage calculator
Work out repayments and total interest before you talk to any lender.
Australian Taxation OfficeFind lost super
Check for forgotten super accounts and consolidate through your ATO online account.
Links open external government and independent websites. We do not control their content and are not affiliated with them.
Budgeting frameworks that actually stick
You do not need fancy software. You need a system simple enough to keep using. Pick one and start.
The 50/30/20 starting split
A simple budget frame: aim for roughly 50% of after-tax income on needs, 30% on wants, and 20% on saving and debt. Treat it as a compass, not a cage, and adjust to your real life.
The two-account system
Keep an everyday account for spending and a separate savings account for your emergency fund and goals. Automate a transfer on payday so saving happens before you can spend it.
The sinking fund list
List the irregular but predictable costs, car rego, insurance, Christmas, and divide each by the months until it is due. Save that amount monthly so big bills never blindside you.
Where to get real advice
Fierce Girl Finance publishes education, not personal financial advice. When you need guidance tailored to your own situation, these are the right doors to knock on:
- A licensed financial adviser for investment, retirement and wealth decisions. Check their listing on the ASIC Financial Advisers Register.
- A mortgage broker or lender for home loan pre-approval and comparisons.
- A registered tax agent or accountant for tax questions.
- The National Debt Helpline for free, confidential financial counselling if debt feels overwhelming.
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