Money topics Budget tool

About Penny Desktop: a workspace for everyday money

We turn money questions into smaller checks

Penny Desktop makes guides and calculators for everyday money decisions. We focus on questions you can investigate: what is left in this month’s budget, whether a bill change is worthwhile, and how much cash a move needs.

What these Australian guides offer

  • Two guides covering household budgets and fixed bills, and moving-out cash
  • AUD examples, clear input assumptions and commonly missed costs
  • Source links and explanations of what a calculation cannot establish

Our limits are part of the explanation

We use AI to assist research and drafting, and check the cited sources and arithmetic. Those checks are not independent human review. We do not claim approval by an independent local-language, Australian financial or legal expert. Hypothetical examples are not personal experiences or market prices. We do not offer personalised financial, tax or legal advice.

Editorial approach and scope of checks · Report a problem or share feedback · Explore the guides