Most people know what they earn and almost none know where it goes. Pay arrives fortnightly, bills fall monthly, and the two never line up.
Spreadsheets drift the moment a rate changes or a subscription renews. Bank apps categorise after the fact, on their own labels, and tell you nothing about the plan you meant to follow.
PayLens Negotiation holds both sides in one view: the plan you set and the money that actually moved, normalised to your pay cycle, reconciled category by category, and calculated in your browser.
Three parts of the same tool, kept on one screen so a change in any of them updates the rest immediately.
Set what each category should take out of your pay, on the cycle you are actually paid.
Record what actually happened beside the plan and see the variance on every line.
See where the pay goes, how the split compares with the 50/30/20 guide, and what to act on.
Categories, subcategories and groups you control, with every amount normalised to weekly, fortnightly, monthly or annual so nothing has to be converted by hand.
Rename, regroup, reorder by dragging, or switch a category off without losing its history.
Every category carries a group, which is what drives the split and the 50/30/20 comparison.
Change the pay cycle and every figure on the page follows, including the analysis and the charts.
Every number on this page can be traced back to a published rule and a version reference.
Everything below is included. Nothing is behind an upgrade, and nothing leaves your browser.
Each tool runs on the same rule set, so figures carry across without rework.
Learn more about Negotiation.
No. Everything is calculated in your browser as you type, and nothing is added to an account unless you choose to save the plan.
Budgets are paid from what lands in your account. Salary figures hide tax, the Medicare levy and any HELP repayment, so a plan built on them overstates what you have to spend.
The 2026–27 resident rule set: brackets of 0, 15, 30, 37 and 45%, LITO up to $700, the Medicare levy with its low-income shade-in, and employer super at 12%. The rule set version is shown on every result.
Start with your take-home and the categories it has to cover, import a statement when you want to reconcile, and save the plan to pick it up next payday.
Rule set AU-2026.27-v1. Estimates only — not tax, legal or financial advice.
