See beyond debt
Find financial freedom with MyBudget
Debt isn’t forever. It’s time to start building a future free from money worries.
Ready to see beyond your debt?
- Reduce what you owe and consolidate debts
- We’ll take care of your creditors
- Build savings while paying off debt.
Live your life free from money worries
- Initial 10 min chat
- Private & confidential
- Obligation-free
Join over 130,000 Australians who trust MyBudget to take the stress out of money management.
MyBudget helps you see beyond debt
Look beyond debt with MyBudget’s 3 step plan:
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
MyBudget provides expert guidance and support through every stage until you are beyond debt.
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. In fact, 90% of our clients pay off 90% of their unsecured debt in just over three years.
No judgement. Just real solutions that work.
For over 25 years, MyBudget has helped more than 130,000 Australians take control of their finances, pay off debt and start fresh. In fact, 90% of our clients pay off 90% of their unsecured debt in just over three years.
Get beyond debt with a personalised budget plan
Debt isn’t just about owing money, it’s the stress, the sleepless nights and the pressure on your relationships. MyBudget helps you break free with a roadmap to reach your life beyond debt.
Live your life free from money worries
- Initial 10 min chat
- Private & confidential
- Obligation-free
Michelle & Phil | MyBudget clients
See beyond debt: start with a Personal budget
A budget isn’t about restrictions, it’s getting ahead on your terms. MyBudget builds a 12-month plan to manage bills, reduce debt, and grow savings, all while you live your life.
With MyBudget:
- See what your money is doing 12-months ahead
- Visibility of your spending, debt and savings
- Reduce stress with automated bill payments.
Debt consolidation made simple
Juggling multiple repayments? We’ll simplify your debts into one affordable, easy-to-manage payment.
- Lower your total repayments and save on interest
- Break free from high-interest debt cycles
- Get back on track, no new loans needed.
Michelle & Phil | MyBudget clients
Michelle & Phil | MyBudget clients
Stop creditor calls
We speak to your creditors and create a debt plan that works for you.
- We negotiate repayments, fees and interest
- Tailor an affordable repayment plan
- No more dreading phone calls. Life beyond debt starts now!
MyBudget client success stories: Aussies who broke free from debt
Michelle & Phil: Paid off $40,000 with MyBudget
Michelle & Phil could not imagine a life beyond debt. But MyBudget helped them regain financial control.
- Paid off $40,000 in debt
- Stopped living payday to payday
- Saved to renovate their dream home.
“We were drowning in debt. MyBudget gave us a clear plan and the support we needed. Now we’re debt-free.”
Michelle & Phil MyBudget Clients
Take financial control like Michelle & Phil.
MyBudget client success stories: Aussies who broke free from debt
Michelle & Phil: Paid off $40,000 with MyBudget
Michelle & Phil | MyBudget clients
Michelle & Phil | MyBudget clients
Pay off credit card debt, fast
Stuck in a minimum repayment cycle? MyBudget creates a clear plan to pay off debt faster, reduce interest, and keep payments on track.
- Create a faster, structured plan to clear debt
- Reduce interest and penalties through negotiation
- Say goodbye to missed payments.
We’ll help you explore your options, reduce money stress, and start living debt-free.
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.
Start planning your financial future today.
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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