skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Plan your spend

Have you ever said, “Where does my money go”? You’re not alone, but sorting and tracking your spend, then planning a budget, could help you feel more in control and able to plan ahead. 


1. How to balance 'wants' and 'needs'

Finding a balance between your needs (things like rent or home loan repayments, food, power and petrol) and what you really, really want (like eating out, movie nights, new clothes and daily coffees) is what makes a budget work. So first, divide your expenses into wants and needs based on what’s important to you.

Don’t give up on your wants

We all need to reward ourselves for working hard. It’s 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 could make it work.

2. Plan your budget

Budgeting’s not just about what you have, it's also about learning how to manage what you’ve got.

Our budget planner is a great start. Simply add in your income, your daily and weekly expenses, plus other important monthly costs, and you can create your own budget. Remember to be completely honest about your spending, then by the end you’ll be clear about where your money’s going and can start preparing for the future.

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

  • your online banking to view transactions
  • recent utility bills (power, gas, water)
  • information for all loan accounts
  • credit card statements.

Great start, well done.

Now you’ve completed your budget, download it and keep it close as you work through the rest of the Programme.

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. How to see where your money goes

Keeping track of where your money’s going – from daily spending to every deposit into your savings – is a really helpful step towards changing your spending behaviour.

If you are an ANZ customer, the ANZ goMoney mobile app  and Internet Banking  means you’ve got your finances at your fingertips wherever you are - on the bus, at the beach or in the backyard. Or you can, have a weekly date with a spreadsheet, or go ‘old school’ with pen and paper. However you choose to do it, the important thing is that you’re actively watching your spending.

You’ve planned your spend, now what’s next?

With your budget in place, you’re ready to start making the most of your money. What's up next?

How to:

Manage debt 

Learn how to tame your debt.

Set a savings goal

Set it, to get it.

Organise your accounts 

Set, select and relax.

Plan for your future 

Smart ways to grow and protect your wealth.

Know where you're at

Get your financial wellbeing score.

Need extra help?

Impacted by COVID-19?

We’re here to help. See information about the available support options to help you through COVID-19.

ANZ is here to help during COVID-19


Financial hardship

Financial difficulty is more common than you think. Don’t go it alone.

Financial hardship help

A-Z Review 

Get the best out of your banking by talking with an ANZ Personal Banker. It’s a free one-one-one discussion in branch.

Book an A-Z Review online

Budgeting services

MoneyTalks provide confidential, non-judgemental free budgeting services throughout New Zealand.

MoneyTalks website  

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see

The ANZ Budget Planner is a tool provided for illustrative purposes only. It is provided by Dave Clark Design Associates Limited on behalf of ANZ Bank New Zealand Limited (“ANZ”). The results generated by using the ANZ Budget Planner tool are only a guide and based only on the information you have provided. It does not constitute a quote or financial advice. ANZ does not endorse or approve any budget created using the ANZ Budget Planner.