Miss that MyBudget feeling?
$0 to start again*
We never stopped cheering you on, and now we’re offering $0 to re-join. In fact, 1 in 4 clients each month are returning to MyBudget, realising how much simpler life is with a plan, bills paid on time, and savings actually growing.
Rejoin before 24 August 2025 to waive the establishment fee.
It all starts with a free, no-obligation 10-minute chat.
Live your life free from money worries
- Initial 10 min chat
- Private & confidential
- Obligation-free
For over 25 years, MyBudget has helped 130,000+ Australians fast track their financial goals by reducing their debt and building savings.
For over 25 years, MyBudget has helped 130,000+ Australians reduce debt and grow savings.
This time, it’s even easier
Regain control - with expert support
Because managing money shouldn’t feel like a second job.
$0 to restart your plan
No establishment fee. No fuss. Just a fresh start.
We flex when life changes
Job loss? Unexpected bill? Separation? We adjust with you.
We handle bills and creditors for you
No more awkward calls or missed payments, we’ve got it sorted.
Real humans. Real support.
No bots. Just caring money experts who get it.
Get ahead, even when costs are rising
We’ll help stretch your budget further and build savings.
Don’t just take our word for it
We’re often featured in many trusted sources
From living week to week to building my dream home
Caroline’s financial journey is proof of the transformative impact expert financial support can have in achieving dream goals – especially as a single parent!
CarolineClients since 2009
MyBudget FAQs
What is MyBudget?
MyBudget is considered one of Australia’s most trusted budgeting, debt solutions, and money management service companies. We’ve been helping people get out of debt, save and manage their money since 1999. Our state-of-the-art budgeting system and tailored money management services take the time and worry out of having to manage your finances.
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.
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 are MyBudget appointments conducted?
The majority of our appointments are conducted virtually or over the phone, which means they can be done in the comfort of your own home or office at a time that is best for you. We do offer face-to-face office appointments for our South Australian clients if preferred.
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.
Can I adjust my budget and access my money?
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.
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.
Can’t find what you’re looking for? More FAQs.
Rejoin now for $0*
Whatever your money goals, we help you plan for the future with confidence.
Returning Client Offer
MyBudget is offering returning clients $0 Establishment Fee offer if they return to the service during the “Returning Client” promotional period.
By requesting that MyBudget provide you with the Returning Client Offer, you are accepting the following Terms and Conditions.
Eligibility
- The Returning Client Offer is available to any person(s) who is a returning MyBudget client between 21 July 2025 and 24 August 2025, but is not a current MyBudget client.
- You will be eligible to receive $0 Establishment Fee if:
- You are a Previous MyBudget Client;
- You complete an enquiry with a member of MyBudget’s New Enquiries team between 21 July 2025 and 24 August 2025 (the ‘Offer Period’); and
- If your enquiry is not completed via a promotional link, you mention this offer during your call with the MyBudget New Enquiries team, your Personal Budgeting appointment or during the Welcome Call.
Disclaimers
- Your eligibility to claim the $0 Establishment Fee is subject to you meeting MyBudget’s Eligibility Criteria, as outlined above.
- The $0 Establishment Fee promotion is not available in conjunction with any other promotion, discount or offer which reduces MyBudget’s Fees, nor will it diminish your responsibility for any outstanding Establishment Fees owed in conjunction with a previous MyBudget account.
- MyBudget reserves the right to use its discretion in the application of this discount, and may withdraw this offer at any time, without notice.
- If any of the provisions in these Terms and Conditions are or become partially or wholly invalid, the remaining provisions shall retain their validity.
Definitions
- “Establishment Fee” refers to the one-time upfront cost to join MyBudget.
- “MyBudget” refers to MyBudget Pty Ltd ABN 82 093 118 597.
- “MyBudget’s Eligibility Criteria” refers to the minimum requirements you must meet in order to be eligible for MyBudget’s Service.
- “MyBudget’s Standard Fees” refers to MyBudget’s Establishment Fee (for establishing a budget), and MyBudget’s Administration Fee (for ongoing administration of a budget) as outlined in your Budget Plan. This explicitly excludes any applicable extra charges associated with MyBudget’s auxiliary services, such as Creditor Arrangements, Bankruptcy, Part IX Debt Agreements, or services from MyBudget Loans.
- “Returning MyBudget Client” refers to an individual who has previously been a MyBudget client, and is not currently a MyBudget client.
- “Promotion” refers to the Returning Client Promotion where, for a limited period of time, Returning MyBudget Clients may be eligible for $500 cashback at their 6-month anniversary.
- “Promotion Period” is from 21 July 2025 to 24 August 2025.
- “You/Your” refers to an individual who is interested in the Promotion.