Do you need a budget?
Stressed about money? You need a budget and MyBudget does the work, we build your 12-month plan, pay bills, reduce debt, and grow savings.
You know you need a budget, now what?
- We pay your bills on time, every time
- Combine debts into one simple payment
- Let us negotiate with creditors for you.
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.
When you need a budget, choose MyBudget
A budget isn’t about limits, it’s about freedom. MyBudget creates a personalised plan to take away money worries, reduce debt, and grow your savings.
- No more living payday to payday
- Bills and repayments automated
- We deal with creditors for you.
Everything your budget needs, done for you
No judgement. Just a plan you can stick to.
For over 25 years, MyBudget has helped more than 130,000 Australians get out of debt and take control of their money.
90% of clients pay off 90% of their unsecured debt in just over 3 years.
Live your life free from money worries
- Initial 10 min chat
- Private & confidential
- Obligation-free
Michelle & Phil | MyBudget clients
Join MyBudget, if you need a budget
Without a budget, it’s easy to lose track. MyBudget gives you a clear plan to track spending, pay bills, and save confidently.
- Give every dollar a job and stay ahead of expenses
- Bills paid. Debts cleared. Savings growing
- Stop worrying and start living life.
You need a budget to get out of debt
Juggling multiple debts? A budget makes it easy. We’ll help you:
- Roll multiple payments into one manageable repayment
- Lower your overall outgoings
- Avoid high-interest debt traps.
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 fast.
- Create a faster, structured plan to clear debt
- Reduce interest and penalties through negotiation
- Say goodbye to missed payments.
Client success stories: Aussies who needed a budget
Michelle & Phil: From $40,000 in debt to financial freedom
Michelle and Phil were drowning in bills and couldn’t stick to saving. MyBudget gave them the plan they didn’t know they needed.
- Paid off $40,000 in debt in two years
- Stopped living week to week
- Saved enough 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.
Client success stories: Aussies who needed a budget
Michelle & Phil: From $40,000 in debt to financial freedom
Michelle & Phil | MyBudget clients
Michelle & Phil | MyBudget clients
You need a budget to live life, your way
When you’re juggling bills, debt, and daily expenses, it’s hard to feel in control. A personalised budget brings calm to the chaos.
- We handle your bills, budget, and debt
- We deal with creditors, not you
- Expert support whenever you need it.
When you choose MyBudget, you get a team that takes care of everything, planning, negotiating, saving, so you can focus on living.
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
You need a budget to build savings
Want to save, but don’t know where to start? MyBudget helps you create a savings plan that fits your lifestyle, without missing out on what matters.
- Save for emergencies, holidays, or a home
- Automate savings and pay down debt
- Stay financially secure and still enjoy life.
Chat with a money expert 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.
Can’t find what you’re looking for? More FAQs.
Don’t just take our word for it
We’re often featured in many trusted sources