Yoad Halm Digital

Household Budget & Cost of Living Calculator

Find the household leaks quietly adding pressure. Small leaks can become big pressure when household costs rise.

Important disclaimer: This tool is for general household planning and organisation only. It is not financial advice, budgeting advice, debt advice, investment advice, tax advice, legal advice, or accounting advice. It does not guarantee savings or financial outcomes.
Income
Main Household Bills
Food and Transport
Subscriptions and Lifestyle Spending
Takeaways, Uber Eats, Fast Food
Debt Repayments
Savings or Emergency Buffer
Retirement, Pension, KiwiSaver, Investments
Irregular Annual Costs
Children, School, Childcare
Pets
Medical and Health
Notes / Expense List Placeholder for later
Money Left / Forecast
Money Left Per Month
$0.00
Money Left Per Week
$0.00
Income Per Month
$0.00
Fixed Living Costs
$0.00
Flexible Spending
$0.00
Lifestyle Leaks
$0.00
Future-Benefit Outgoings
$0.00
Irregular Costs Allowance
$0.00
Annualised Lifestyle Leaks
$0.00
Leak Finder Results

Compounded impact of small recurring line items:

No active lifestyle leak entries identified yet.

Provider Comparison Checklist

These are not guaranteed savings. They are areas worth checking because they often repeat every week or month.

  • Power contracts and utility rates
  • Internet service packages
  • Mobile phone networks
  • Insurance policies
  • Active recurring subscriptions
  • Streaming account renewals
  • Bank maintenance fees
  • Borrowing and debt interest rates
  • Grocery shopping choices
  • Fuel use and transport patterns
Copy Summary

Click button to update and generate the plain text dashboard log below.

Free Bonus Pack

The bonus pack gives you simple worksheets you can use offline or alongside the calculator.

  • Household budget tracker
  • Weekly spending planner
  • Subscription audit checklist
  • Bill comparison checklist
  • Bill calendar template
  • Cost-of-living AI prompts
  • What to check first worksheet
Get the Free Bonus Pack Enter your email to get the free spreadsheet bonus pack. Your calculator entries are not saved or sent to us. The calculator runs in your browser. The form only collects your bonus pack signup details.
Want future Pro features?

We’re exploring possible future features like saved history, recurring bill tracking, month-to-month comparison, printable reports, CSV upload, and extra worksheets.

Join early access Do not enter private budget numbers in the early access form.