Free household budget planner
Mazoola turns your income, bills, everyday spending and irregular costs into a practical Plan Per Pay — what to spend, what to leave sitting for bills, and what to set aside before the costs that always sneak up on you arrive.
Planning and everyday tracking are free — and staying that way. No trial period, no card required. Your first visit opens with Josh & Sarah’s Example Budget, so you can explore a finished plan before starting your own.
See it in action
Tick what your household spends on, add your income and an amount for each expense — and Mazoola turns it into a plan for every pay, showing exactly where each dollar goes before it lands. Here’s the whole thing:
The mazoola approach
Some expenses happen every week. Some bills arrive on a schedule. Others turn up whenever they feel like it. Mazoola treats those three behaviours differently — Frequent, Fixed and Flexi — then brings them back together into one Plan Per Pay.
No spreadsheet to wrestle into submission, and no generic calendar month: the plan is built around how your money actually lands.
Less time managing the plan, more time living within it. At Mazoola, we just help you mind your money.
Less admin, more clarity
Groceries and fuel. The mortgage, the insurance, the power bill. For most households that is the great majority of everything they spend — and none of it is a surprise. Plan for it once, let the money move as your pay lands, and that whole share simply looks after itself.
What’s left is Flexi: the irregular costs that turn up whenever they feel like it. It is the small part of your spending, and it is where almost every budget comes unstuck — usually by quietly spending money the bigger, predictable part was relying on. So that is the one part Mazoola asks you to keep an eye on.
No need to account for every coffee.
Mazoola works out your own split and shows it to you — most people are surprised how much of their spending was predictable all along.
How it works
Weekly, fortnightly, or monthly -- your plan lines up with how you're actually paid, not a generic calendar month.
Mazoola builds a little breathing room into your Flexi expenses -- holidays, Christmas, clothing, car repairs. Flexi Tracking then shows what has built up for each one, and what you've actually spent.
Plan Per Pay turns the whole budget into a short list of transfers. Set them up once in internet banking and the plan largely runs itself.
Doing this together? Household Access lets a partner view and edit the same budget from their own sign-in — everyone’s looking at the same numbers.
Three ways to use mazoola
Build your Blueprint, see your Plan Per Pay, set goals and print your plan. Everything stays on your device — save a copy to a file any time.
Everything in Plan, plus cloud sync across your devices, Flexi Tracking, household sharing with your partner, alerts, and home-loan coaching.
Everything in Everyday, plus Mazoola Labs — receipt photos, Tax, Warranty, Cover & more.
While mazoola is in early access, every tier is free. Plan and Everyday are staying free.
A question, an idea, or something that isn’t working right — send it through and a real person will read it.