Planaroo: The Budget App Built for Australian Pay (+ bonus spreadsheet)

Payday comes in. A few days later it's gone, and you're not sure where. Planaroo is a budgeting app built for how Australians actually get paid: fortnightly (weekly and monthly work too). Set it up in two minutes on your phone.

Try it free first: open the demo. It's the full app with example numbers.

What it does for you

• Works out your real take-home pay with the ATO's 2026-27 tax rates, the low income tax offset and the Medicare levy. Or type in your payslip figure.
• Turns every cost into one pay. Weekly rent, monthly phone, yearly rego: it converts them all and shows what's left to spend this pay.
• A bills fund for the big ones. Rego, insurance, council rates, the quarterly power bill, Christmas. It tells you what to put aside each pay, and one tap on payday tops them all up.
• Your debt-free date. Snowball or avalanche, the pay-off order worked out for you, and how much sooner an extra $50 a month gets you there. Credit cards, car loans and buy now pay later.
• Savings goals with what to save each pay to hit them on time.
• Log spending in five seconds and see what's left in each category.

How you get it

Straight after checkout you download a Start Here PDF with your app link and access code. Open the link on your phone and add it to your Home Screen. It opens like any app and works offline. No app store, no account, no password. Works on iPhone, Android and computers.

Bonus: the same planner as a spreadsheet for Excel and Google Sheets.

Private by design

Your numbers stay on your phone. Nothing is sent to us or anyone else. You can download a backup any time.

Good to know

• $19 once. No subscription, no ads.
• Take-home pay is an estimate for budgeting, for an Australian resident. It leaves out HELP repayments, the Medicare levy surcharge, salary sacrifice and deductions.
• Each device keeps its own copy of your numbers; they don't sync between devices.
• It's a budgeting tool, not financial advice.

Not for you? Reply to your order email within 14 days for a full refund. Your rights under the Australian Consumer Law also apply.

Sold by Siezar De Waal · ABN 36 318 413 406 · Cairns, Queensland.