Do I Need a Financial Advisor or a Money Coach? | MyBudget
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Reach your money goals with a personal budget

No matter what your financial goals are, being able to budget effectively is the key to achieving them.

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Free appointment | No long-term, lock in contracts

MyBudget product review hero image highlighting Australian success. Trusted financial coaching leads to debt relief and financial goals.

MyBudget clients Erin and Adam spending precious family time after getting their finances back on track with budgeting support and saving for big goals like a house deposit in Australia.

Erin & Adam | MyBudget clients

Budgeting support to help you take control

When you budget with us, your income and expenses are planned up to 12-months ahead. We provide structure and support so that your bills are paid on time, your debt is reducing and your savings are growing.

Build a personal budget

Build a personal budget

We help you create a realistic plan that supports your lifestyle and your financial goals, paying off debt, saving for the future, and enjoying the life you want.

Automate bills & savings

Automate bills & savings

We automate your bills and savings so your budget runs smoothly in the background, freeing up your time so you can stop worrying about money and start living.

Support when you need it

Support when you need it

You’re never on your own. Our caring money experts help you stay on track and keep moving toward financial freedom. Support is always just a call away.

Why is budgeting important?

A budget shows you where your money is going, what your commitments are and how close you are to achieving your financial goals.

What are the benefits of having a budget?

  • Track spending to stay within your means
  • Reduce stress by planning for bills and unexpected costs
  • Pay off debt, grow savings and plan confidently.

With the right visibilty, structure and support, see how your financial situation can improve with MyBudget.

130000+

People helped

25+

Years of service

Tammy Barton, Founder and Director of MyBudget, with team member Tara, leading expert financial coaching and debt solutions for Australians.

Tara & Tammy | MyBudget team members

How much does MyBudget cost?

At MyBudget, it’s not a one-size fits all approach. Your 12-month budget is tailor made for you. Fees are transparent. They’re dependent on the complexity of your financial situation and based upon the level of support you need.

  • Your first appointment is free
  • Take home a tailored 12-month budget plan
  • No lock-in contracts.
MyBudget clients Erin and Adam spending precious family time after getting their finances back on track with budgeting support and saving for big goals like a house deposit in Australia.

Erin & Adam | MyBudget clients

Erin & Adam saved $70,000 in 2 years

With MyBudget, Erin and Adam turned financial uncertainty into stability, with a clear budget and a supported plan to reach their goals.

Here’s what they achieved:

  • Saved over $70,000 for major life goals
  • Switched from stressful spreadsheets to a clear, simple system
  • Achieved milestones like buying a home and starting a family.

Personal budget FAQs

Can’t find what you’re looking for? See more FAQs…

  • MyBudget is one of Australia’s most trusted budgeting and money-management services. For over 25 years, we’ve helped more than 130,000 Australians create personalised budgets, get out of debt, build savings, and reach their financial goals. We combine expert money coaching with powerful custom technology to organise your expenses, pay bills on time and take the stress out of managing money. MyBudget can help you build a plan that supports your long-term financial wellbeing.

  • No. You stay in control at every step. MyBudget provides the guidance, tools, and support to help you make informed decisions, but you’re always the one in charge of your financial journey.

  • MyBudget helps people take control of their finances by creating a personalised budget, organising their bills and providing day to day money management support. We help reduce financial stress, manage debt, build savings and give clients a clear, structured plan for their financial goals. With over 25 years of experience and more than 130,000 Australians helped, our system provides stability, confidence and long term results.

  • No. MyBudget is a budgeting, debt solutions and money management service, not a licensed financial advisor. MyBudget specialises in personal budgeting, debt help, cash flow management and savings plans to reduce money stress and help you work toward your saving goals. We do not recommend specific financial products or investments. If you need investment or specialised financial planning advice, we may suggest speaking with a licensed financial advisor while we support you with a strong personal budget and debt management and savings plan.

  • Your MyBudget journey begins with an initial conversation with one of our Money Coaches. They will chat to you about your financial position and gain an understanding of the financial goals you want to achieve. Once we have this snapshot, we will connect you with your very own Personal Budgeting Specialist. We can arrange a time convenient to you (and your partner where relevant). At that session we create a customised 12-month Personal Budget Plan that is yours to keep for FREE! This budget plan provides you with a detailed understanding of how, together with the support of MyBudget, you can live a life free from money worries and achieve your financial goals.

  • Most Australians qualify for MyBudget because our service supports a wide range of financial situations, from managing everyday expenses to serious credit card debt, overdue bills or debt consolidation needs. At your free appointment, a money coach will review your income, debts, financial commitments and goals to confirm if MyBudget is the right fit. If you want budgeting help, debt relief options, or a clearer personal budget, we’re here to support you.

In the media

MyBudget has been featured in leading Australian media and trusted publications.

  • MyBudget Reviews

    Not judged or treated badly the customer support every time have been amazing like nothing I’ve experienced. Speaking to real aussies on the phone who genuinely care for you. I cannot thank my financial advisor for recommending MyBudget as this has saved me. I was one payment away from defaulting and this has saved my houses.

    Joseph | MyBudget client

  • MyBudget Reviews

    One of the BEST things I’ve done is joining MyBudget (seriously). The staff are professional and really want to help you with any money issues you may have and try and help you to start saving money. Do you want to get bills paid early and on time, save money for now and the future plus emergencies? YES… Money is important and MyBudget seems to handle and control my money better. Friendly staff with great advice.

    Brian | MyBudget client

  • MyBudget Reviews

    I recently joined MyBudget and so far I’ve had one of the best experiences with MyBudget, everyone I’ve spoken to so far has made me feel so comfortable and tended to every need and question I’ve had! Going into such a new thing I was quite nervous and not sure how it would work out and had a lot of anxiety around the situation but overall it’s been such an amazing and positive experience and I would highly recommend this to all my family and friends!

    Isabella | MyBudget client