Debt negotiators who do it all: MyBudget
Drowning in debt? MyBudget are trusted debt negotiators with 25+ years’ experience helping over 130,000 Australians pay off debt and get back on track.
Ready to take financial control?
- Reduce your total debt owed
- We deal with your creditors, not you
- Pay off debt while building savings.
Speak to an expert for free today
- Initial 10 min chat
- Private & confidential
- Obligation-free
Join over 130,000 Australians who trust MyBudget to take the stress out of money management.
How MyBudget helps you get out of debt
Unlike other debt negotiators, MyBudget goes beyond basic debt negotiation. MyBudget provides expert guidance, a complete debt management and personal budget plan, and ongoing support to help you pay off debt and get ahead.
- We deal with creditors so you don’t have to
- Personalised budget and repayment plans
- Bills paid automatically, no more missed due dates
- Caring money coaches with you every step of the way
With MyBudget as your debt negotiators,
it’s easy… just 3 simple steps:
Step 1: Free consultation
Share your financial position, challenges and goals.
We’ll give you the right guidance and support.
We’ll give you the right guidance and support.
Step 2: Debt assessment and budget plan
We create a tailored 12-month budget plan that sees your debt reduce.
It’s yours to keep for FREE.
It’s yours to keep for FREE.
Step 3: Your path, your choice
We empower you with everything you’ll need, the choice to move forward is always yours
We empower you with everything you’ll need, the choice to move forward is always yours.
MyBudget negotiating debts since 1999
No judgement. Just real solutions.
For over 25 years, MyBudget has helped more than 130,000 Australians take control of their finances, pay off debt and start fresh. 90% of our clients pay off 90% of their unsecured debt in just over three years.
Lower repayments — we negotiate for you
Stop the calls — we deal with creditors
One plan — clear debt faster
Save while paying off debt
Need help negotiating debt?
Money stress adds up fast. MyBudget’s expert debt negotiators help you take control, stress less, and move forward with confidence.
Live your life free from money worries
- Initial 10 min chat
- Private & confidential
- Obligation-free
Michelle & Phil | MyBudget clients
Budget better, live better
Our budget plans are designed to give you control and clarity for lasting financial success.
- Bills automated and paid on time
- Repayments that fit your budget
- Save money while paying off debt.
Debt consolidation: One easy payment
Multiple loans? We roll them into one simple payment, no new loan needed.
- Reduce your overall repayments
- Stop interest stacking up
- Say goodbye to creditor calls.
Michelle & Phil | MyBudget clients
Michelle & Phil | MyBudget clients
Credit card debt? We’ve got a plan
Credit card debt can snowball fast. Our expert debt negotiators, work with your creditors and build a plan that clears your debt, fast.
- Pay off balances sooner
- Stop interest and penalty fees
- Never miss another payment.
Live your life free from money worries
- Initial 10 min chat
- Private & confidential
- Obligation-free
Plan, budget, automate and save
Plan ahead
When you budget with us, all of your income and expenses are planned 12 months in advance to show you exactly how to start saving and how your money is tracking.
Build a budget
We help you build a budget that supports your lifestyle. Date nights, holidays, house deposit and more are all part of budgeting for the life you want.
Automated money management
Our money experts do all the work to keep your budget on track. Freeing up your time so you can stop worrying and start living.
Create a safety net
Every budget we design puts aside money to prepare for the unexpected. Enjoy peace of mind with savings and flexibility built into your budget.
Build a savings plan
A savings plan is not complete without a spending plan. We’ll help you create a budget that frees up cash and adds more money in your pocket to enjoy life.
You don’t have to do it alone
We’re with you every step of the way. We care about achieving your financial goals as much as you do, which is why a money expert is only ever a phone call away.
Michelle & Phil | MyBudget clients
Pay off debt: build savings too
Quick debt fixes won’t set you up for a secure financial future. MyBudget helps you reduce debt and save with a plan built to last.
- Save for emergencies, holidays, or a home
- Automate savings and pay down debt
- Stay financially secure and still enjoy life.
Get your free debt assessment now
Live your life free from money worries
- Initial 10 min chat
- Private & confidential
- Obligation-free
Personal Budgeting FAQs
What budgeting services and solutions does MyBudget offer?
We do all the work so you don’t have to worry. Our dedicated team will set up your MyBudget account where all of your bills, savings and payments are managed for you. We do the heavy lifting that relieves money worries. Using income deposited into your MyBudget account, we pay your bills, set aside savings, and automate your finances so you can achieve your financial goals.
What makes MyBudget different?
MyBudget is a powerful and worry-free way to manage your money. MyBudget’s budgeting and payment platform maps out the future of your money. Your budget stays on track because your bills, savings and financial goals are automated and managed within one powerful platform. You have all the benefits of visibility, structure, automation and control in the convenience of an app, plus the support of our money experts.
What can I expect at a FREE MyBudget appointment?
Your MyBudget journey begins with an initial conversation with one of our money experts. 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 complete picture of your 12-month 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.
Do I qualify for MyBudget services?
Our clients come from all walks of life. From young to old, casual workers to CEOs, from people on government benefits to those with six-figure salaries. The requirements are that you have a regular and reliable income that is paid into a bank account. You will need to meet minimum income and serviceability thresholds.
During the initial chat, we will ask you some questions about your financial situation to assess your eligibility.
How much does MyBudget cost?
Your first appointment with MyBudget is 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.
Does MyBudget provide financial advice?
MyBudget is a budgeting, debt solutions, and money management service. We provide a range of structure and support services associated with managing your personal expenses. While we do hold an Australian Financial Services Licence (AFSL) and Australian Credit Licence (ACL), we are not financial advisors and offer general financial advice only. For personal financial advice or financial product recommendations, we recommend you seek the services of a licensed financial advisor.
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