How to budget fortnightly: a step-by-step method
Match bills to the pay before they fall due, with the monthly x 12 / 26 conversion and a worked fortnight.
Read guide →
Most bills arrive monthly, but many people are paid weekly or fortnightly. Start with the fortnightly guide, then the payday routine and the definition of safe to spend. The situation guides cover one income, irregular income, Centrelink payments and running short. The tools that follow help you work out what is safe to spend before payday, or plan every pay in Excel.
Match bills to the pay before they fall due, with the monthly x 12 / 26 conversion and a worked fortnight.
Read guide →A seven-step routine for the hour after you are paid, for weekly, fortnightly or monthly pay.
Read guide →What the figure includes, what it misses and how it goes wrong, with a simple example.
Read guide →One pay cycle line by line, plus a paper version you can try with your own figures.
Read guide →Work out whether you have a shortfall or a timing gap, build a small buffer and find free help.
Read guide →Get to payday, then work out why it keeps happening, and which quick fixes to be careful with.
Read guide →Rebuild the budget from the essentials up, plan for irregular bills and review after two pays.
Read guide →Plan around child-related costs and pay cycles, and know where to check what support applies.
Read guide →Use a low baseline, pay yourself a steady wage from a holding account and plan for tax.
Read guide →Pay dates, public holiday changes and how Centrepay works, from Services Australia.
Read guide →A pay-cycle answer: the fewest accounts that keep bills, savings and spending apart.
Read guide →Why a month is not two fortnights, and how to convert monthly and quarterly bills to fortnightly amounts.
Read guide →Estimate what you can spend before payday from your balance, rent and bills. No sign-up or bank connection.
Plan bills, annual costs and a safe to spend estimate for weekly, fortnightly, four-weekly or monthly pay.
Compare your budget with actual spending and set savings goals, with each fortnight on one dashboard.
Plan each pay, enter planned and actual spending and see what is left on one simple dashboard.
These guides provide general information only and are not financial advice. Check prices, rates and terms with the provider before you decide.