Live your life free from money worries

MyBudget works by creating and managing a personalised budget on your behalf, so your income is organised, your bills are paid on time, and your financial goals are built into a clear, structured plan.

When you join MyBudget:

• Your income and expenses are reviewed in detail

• A tailored personal budget is created to fit your lifestyle

• Regular bills and repayments are scheduled and paid on time

• Debt reduction strategies are implemented if required

• Savings plans are built to help you achieve your goals

• Ongoing budgeting support is provided by a dedicated Money Coach

MyBudget doesn’t just track money, we manage it. This helps reduce financial stress, prevent missed payments, and create consistency in how your money is handled.

Many clients say the biggest difference is the immediate relief they feel once everything is organised and under control, and that they wish they had joined sooner. With more than 25 years of experience and over 130,000 Australians supported, MyBudget focuses on helping people manage money confidently and live free from money worries.

Every appointment to set up your personalised budget is completely free. If you decide to join, your fees will depend on the complexity of your financial situation and the level of support you need. Our mission is to improve financial wellbeing, so our fees are designed to be an affordable investment towards helping you 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.

We offer flexible appointment options to suit your lifestyle. Most MyBudget appointments are held virtually or over the phone so you can get budgeting help from anywhere in Australia. For South Australian clients, in-person appointments at our office are also available. No matter the format, you’ll receive personalised financial coaching, budget planning support and a clear pathway to reaching your financial goals.

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.

Absolutely. You have complete control and visibility of your finances. When you make a change to your budget, you’ll see your future forecast and payments update in real-time. New or unexpected expenses are easily added to your budget via our desktop or mobile apps or over the phone. Ideally, unexpected expenses will be covered by surplus savings. (We’ll help you develop a savings safety net.) If savings are not available, one of our money experts will help to adjust your budget so that the new expense fits. It’s your money—you’re always in control—and we’re always here to help. Moving money between your MyBudget and personal accounts is done via bank transfer.