Goal planning for Australian householdsCan we actually afford this, and by when?

A savings goal is easy to set and hard to sanity-check, because the honest answer depends on every other commitment you already have. Funance builds the timeline from what is genuinely left over.

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Work out when you get there

A deposit, a wedding, a car, an emergency fund.

What your budget can keep up, after the bills and debts.

Starts at an illustrative 4%. Use your own account's rate; bonus rates often have conditions.

A planning estimate. Deposits go in at the end of each month and interest compounds monthly at the rate you enter. Interest is taxed at your , so an after-tax rate gives the closer answer. General information only, not financial advice.

Goal reached

August 2029

2 years 9 months at $900 a month, with $2,569 of interest along the way.

Needed a month to make November 2029
$811
You are putting in
$900 a month
Your own deposits along the way
$29,700
Interest along the way
$2,569
Still to save
$32,000

On track: $900 a month gets there in August 2029, ahead of November 2029. $811 a month would still make your date.

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Most goal calculators ask for a target and a monthly contribution and divide. That works right up until the contribution turns out to be money that was already spoken for by the mortgage, the car loan and the quarterly bills.

Funance takes the goal timeline from the same numbers as your budget and debts, so a date it gives you is a date that survives the rest of your life.

Eleven goal types are included, and the ones with Australian complications carry their own calculators.

The eleven goal types
GoalNotes
New homeDeposit, stamp duty, LMI, repayments
Investment propertyDeposit, duty, projected costs
FIRETarget drawdown and timeline
Wedding, holiday, vehicleStraight target and date
Renovation, study, babyStraight target and date
Emergency fundMonths of expenses, from your budget
CustomAnything not in the list

New Home and Investment Property include deposit, stamp duty and LMI modelling.

See it with your own numbers

Every account starts with 14 days of Pro, no card. Keep it for $79 a year, or carry on with the free plan.

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How it works

Why the dates hold up

Built from real leftover money

The contribution is drawn from what your budget actually leaves, not a number typed in optimistically on a Sunday night.

Competing goals sit together

Most households are saving for more than one thing. Funance shows them alongside each other so the trade-off is visible.

The house goal knows Australian costs

A deposit is not the only cash you need. Stamp duty by state, LMI where the deposit is under 20%, and first home buyer concessions for VIC, NSW and QLD are all modelled.

An emergency fund that means something

Expressed as months of your actual expenses rather than a round number borrowed from an American blog.

What you need

  • Your target amount, or the thing you are buying
  • A rough date, if you have one
  • Your current savings towards it
  • A working budget, so leftover is honest

Built independently in Melbourne by Troy Popovic

Troy built Funance after finding existing budgeting tools didn't answer the planning questions his own family needed solved. Funance takes no commissions, sells no data, and is funded entirely by subscriptions.

  • No bank login, ever
  • Free plan data stays in your browser
  • 2026-27 ATO tax rules built in

Questions

Before you start

How many goals can I track?
Eleven goal types are available, including a custom type, and you can run multiple goals at once so competing priorities are visible together.
Does the home goal include stamp duty?
Yes. The New Home goal models deposit, state stamp duty, lenders mortgage insurance where the deposit is under 20%, and the resulting repayments. First home buyer concessions are modelled for VIC, NSW and QLD; other states use the standard rate.
Which plan includes Goals?
Goals is part of Pro, at $9.90 a month or $79 a year.

Related

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Know where your money goes.
Know where you're going.

Every account starts with 14 days of Pro, no card needed. Keep it for $79 a year, or carry on with the free plan: Overview, Budget and Debts, for good. No bank login either way.

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14 days of Pro free, no card · then the free plan, or $79 a year · no bank login