Before hiring a financial advisor, see how MyBudget helps Australians take control of bills, debt and savings.
Free appointment | No long-term, lock in contracts
Michelle & Phil | MyBudget clients
If managing bills, reducing debt or building savings is your immediate priority, you may not need a financial advisor first. MyBudget combines a personalised 12-month plan that fits your life, a client app that shows what is ahead and real Money Coaches to support you towards your goals.
Kim & Bob | MyBudget clients
MyBudget puts your plan into action with practical, day-to-day money management.
Take control today and plan for your future with confidence.
Erin & Adam | MyBudget clients
A financial adviser may be right if you need advice about investments, super or long-term wealth planning. If you need practical help with everyday money, MyBudget may be the right place to start.
If this sounds familiar, MyBudget can help.
MyBudget and financial advisers can both support longer-term goals, including retirement, but in different ways. MyBudget helps make room in your everyday budget to fund those goals, while a financial adviser can provide personal advice about super, investments and other financial products.
| Feature | MyBudget | Financial Adviser |
| Main Focus | Visibility, structure and hands-on support for cash flow, bills, debt and savings, so you can fund goals now and beyond the next 12 months. | Investments, super, insurance, retirement and long-term wealth planning, including market performance and tax considerations. |
| How It Works | We create a personalised 12-month budget, then Money Coaches help put it into action by managing bills, structuring debt repayments, growing savings and planning ahead. We can also speak with creditors. | They create a financial strategy and may recommend products. Managing your daily budget, cash flow and funding the strategy usually remains your responsibility. |
| Support and Control | Stay in control with visibility through the client app and support from real Money Coaches who understand your situation and want you to succeed. | One-off or ongoing reviews within a formal advice process, focused on keeping the strategy aligned with your goals. |
| When It May Suit You | You want a clear picture of your finances, relief from money stress and admin, and real support to make progress towards the life you want. | You want personal advice about financial products, retirement or building wealth. |
A free appointment can help you understand whether MyBudget fits your needs.
Before MyBudget, I felt paralysed by debt. Now my bills are paid on time, I have savings and peace of mind.
Sarah | MyBudget client
Leah | MyBudget team member
You’re not doing this alone. MyBudget Money Coaches provide practical, ongoing support to keep your budget working as life changes.
Can’t find what you’re looking for?
See more FAQs…
If your priority is managing bills, reducing debt and creating financial stability, budgeting help from a MyBudget Money Coach is often the right first step. Financial Advisors are typically better suited to complex investments and long‑term wealth planning.
Yes. Many clients use both. MyBudget manages day‑to‑day cash flow and budgeting, making it easier to follow and implement long‑term strategies created by a Financial Advisor.
Speak to a licensed financial adviser or financial planner when you need personal advice about investments, superannuation, insurance, retirement strategies or financial products. MyBudget can support the practical side by helping organise cash flow, bills, debt and savings, giving you a stronger foundation for longer-term decisions.
Yes. A good income does not always make money easier to manage. If bills, debt, irregular expenses or money admin keep absorbing what you earn, MyBudget can build a personalised budget, manage payments and help direct more of your income towards savings and goals.
Yes. Your initial 12-month budget plan shows what is ahead, while MyBudget’s budgeting system can project potential debt-free dates and when you could reach savings goals. It can also include retirement goals, helping you understand how contributions may fit within your budget.
MyBudget has been featured in leading Australian media and trusted publications.
