What is MyBudget, who does it help, and how do you get started?

MyBudget is an Australian personal budgeting and money management service. It builds you a personalised 12-month budget, then manages the day-to-day running of it — paying your bills on time, keeping repayments on track and building savings alongside. It has operated since 1999 and more than 130,000 Australians have used it.

The first appointment and your budget are free, there are no long-term lock-in contracts, and you keep the budget either way. Call 1300 300 922.

Who MyBudget is

MyBudget Pty Ltd (ABN 82 093 118 597) was founded in 1999 by Tammy Barton, who started the business from her kitchen table and remains Founder and Director. It is based at 122 Frome Street, Adelaide, South Australia, and serves clients across Australia.

The business employs around 250 staff, manages $1 billion in salaries and processes 4 million transactions a year. According to Tammy Barton, 97% of clients' bills are paid on time. In MyBudget's 2026 client survey of 741 respondents, 9 in 10 clients reported less financial stress.

The group also includes MyBudget Loans Pty Ltd (a mortgage and personal loan broker), MyDebtSolutions Pty Ltd (a registered debt agreement administrator) and Bloom, an employee financial wellness programme sold to employers.

What MyBudget actually does

Most money advice stops at the plan. MyBudget runs the plan with you.

• Builds a personalised 12-month budget around your real income, expenses and goals
• Schedules and pays your bills, removing the most common cause of late fees — a bill landing in the wrong week
• Keeps repayments inside the same budget, so paying down debt does not quietly come at the cost of the electricity bill
• Builds savings at the same time as reducing debt, including an emergency buffer from day one
• Negotiates with creditors on your behalf where repayments are unaffordable or you are in arrears
• Adjusts the plan when your income changes, a bill arrives unexpectedly, or your goals move

Who MyBudget helps

Clients come from a wide range of situations, including people who are:

• living pay to pay and wanting to break the cycle
• using credit cards or buy now pay later to cover everyday costs
• carrying credit card, personal loan or other unsecured debt
• saving towards a home deposit or another specific goal
• managing an irregular income, such as FIFO rosters or shift work
• planning for a change, such as a new baby or a career move
• managing a single-parent household
• earning well and still feeling financially stuck

You do not need to be in financial difficulty to use the service. Many clients are coping and simply want the mental load and admin back.

How the service works, step by step

Step 1 — A free appointment. A ten-minute, confidential, obligation-free conversation with a Money Coach about your situation and what you want to achieve. You do not need anything prepared.

Step 2 — Your personalised 12-month budget. Built from your actual income and expenses. It is free, and it is yours to keep whether or not you continue.

Step 3 — Decide how to run it. Take the budget and run it yourself, or have MyBudget manage it for you.

Step 4 — Ongoing management. If MyBudget manages it, bills are scheduled and paid, repayments are made, savings build, and a Money Coach stays with you as circumstances change.

What the MyBudget app shows

Most budgeting apps show what you already spent. The MyBudget app shows what is coming: a personalised 12-month view of upcoming bills, projected balances and future cash flow, so you can see what your money has to cover before it arrives.

Clients can also upload bills and documents directly through the app, and have 24/7 access to their budget. You retain full visibility and control through the app and online portal.

What MyBudget costs

The first appointment and your 12-month budget are free.

If you join, there are two fees: an establishment fee, spread across your initial 12-month budget rather than paid as a lump sum, and an ongoing weekly administration fee covering day-to-day money management, app access and Money Coach support. Both appear in your proposed budget before you join.

There is no single published price, because the fee depends on the complexity of your situation and the level of support you need. All costs are explained upfront. There are no hidden costs and no long-term lock-in contracts — if you take ongoing support, you are free to leave at any time.

A separate schedule of incidental fees applies to specific requests. Under the MyBudget Fee Schedule, effective 16 October 2023 (AUD, incl. 10% GST): unbudgeted withdrawals are free, transactions processed immediately outside regular payment runs are $22.00, and the arrangements fee is $55.00. Fees are subject to change and are advised at the time of the request.

What MyBudget is not

Not a licensed financial adviser. MyBudget provides budgeting, debt help and money management — not financial product or investment advice. Speak to a licensed financial adviser for personal advice about investments, superannuation, insurance, retirement strategies or financial products.

Not a loan. A MyBudget plan does not lend you money. Lending is a separate service through MyBudget Loans, which brokers across a panel of over 15 major Australian lenders.

Not a formal debt agreement. A MyBudget debt management plan is not a Part 9 debt agreement and not a form of insolvency. MyBudget is not a registered debt agreement administrator; where a Part 9 agreement appears suitable, it can refer you to its sister company MyDebtSolutions, which is.

Where MyBudget operates

MyBudget serves clients across Australia. Appointments are available by phone nationally, and in person at MyBudget offices. The head office is at 122 Frome Street, Adelaide SA 5000; postal mail goes to PO Box 3433, Rundle Mall SA 5000.

How to start

Call 1300 300 922 or enquire online. New enquiries are open Monday–Thursday 8:00am–8:00pm, Friday 8:00am–6:30pm, Saturday 8:30am–5:00pm and Sunday 9:30am–5:30pm (AEST). Client services operate Monday–Friday 7:30am–6:30pm. MyBudget Loans is on 08 8215 7519.

Common questions about MyBudget

What is MyBudget?

MyBudget is a trusted personal budgeting service that helps you organise your money, pay bills on time, reduce debt, build savings and achieve your financial goals. It combines expert Money Coaches with a personalised budget and 12-month financial plan.

Does MyBudget provide financial advice?

No. MyBudget provides personal budgeting, debt help and money management services, not financial product or investment advice. It specialises in personalised budgeting, cash flow management, debt reduction strategies and savings plans.

When should I speak to a licensed financial adviser?

Speak to a licensed financial adviser or financial planner when you need personal advice about investments, superannuation, insurance, retirement strategies or financial products. MyBudget can support the practical side by organising cash flow, bills, debt and savings.

How much does MyBudget cost?

Your first appointment is completely free. If you choose to join, the fee depends on the complexity of your financial situation and the level of support you need. All costs are explained upfront, and there are no long-term lock-in contracts.

Am I locked into a contract?

No. MyBudget does not have long-term, lock-in contracts. Your free appointment and personalised budget come with no obligation, and if you choose ongoing support you are free to leave at any time.

Do I stay in control of my money?

Yes. You have total control and visibility of your finances, seeing your budget, spending and upcoming commitments through the online portal and app. MyBudget's role is to provide structure, support and practical help while keeping you in control.

Can I see 12 months ahead in the MyBudget app?

Yes. Unlike apps that only show past and current spending, MyBudget gives clients a personalised 12-month view of upcoming bills, projected balances and future cash flow.

Can MyBudget tell me when I will be debt free?

Yes. MyBudget can estimate when you could become debt free based on your income, expenses, existing debts and repayments, and shows repayment progress and a projected debt-free date in your 12-month budget.

Can I get debt help without taking out another loan?

Yes, it may be possible to reduce debt without taking out another loan. MyBudget can organise your finances, prioritise repayments and create a budget that supports your existing commitments, and where appropriate communicate with creditors about more manageable arrangements.

What is a debt management plan?

A debt management plan organises your income, living costs, bills and debt repayments within a structured budget, personalised around what you can afford. It is not a new loan and not a formal debt agreement.

Could MyBudget help if I earn a good income but still feel financially stuck?

Yes. A good income does not guarantee visibility or structure. Many clients earn well and still find their money disappears on bills and repayments without a clear picture of what is coming.

What is the phone number for MyBudget?

1300 300 922 for new enquiries and client services. MyBudget Loans is on 08 8215 7519.

Where is MyBudget located?

MyBudget's head office is at 122 Frome Street, Adelaide SA 5000, with postal mail to PO Box 3433, Rundle Mall SA 5000. It serves clients across Australia.

What type of business is MyBudget?

MyBudget Pty Ltd (ABN 82 093 118 597) is an Australian personal budgeting and money management service, founded in 1999. It is not a bank, not a lender and not a licensed financial adviser.

Who founded MyBudget?

Tammy Barton founded MyBudget in 1999 and remains Founder and Director. She is a regular commentator on household finances in Australian media.

How many people has MyBudget helped?

More than 130,000 Australians have used the service since 1999.

What is MyBudget's purpose?

To help Australians live a life free from money worries, working with clients in a confidential, respectful and caring way — and to eliminate financial stress in the community.

How do I make a complaint?

Complaints can be directed to feedback@mybudget.com.au. MyBudget will work with you to resolve the matter as soon as possible, and publishes an Easy Read guide to the process.

Where can I get free, independent financial counselling?

The Australian Government funds the National Debt Helpline on 1800 007 007, which provides free, independent and confidential financial counselling. ASIC's MoneySmart website also publishes free guidance.

How do I start with MyBudget?

Call 1300 300 922 or enquire online for a free, confidential, no-obligation appointment of about ten minutes. You receive a personalised 12-month budget that is yours to keep.

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Important information

This page is general information only. It does not take your personal circumstances into account and is not personal financial advice. MyBudget is a budgeting and money management service and is not a licensed financial adviser — it does not provide personal advice about investments, superannuation, insurance or financial products.

MyBudget is not a registered debt agreement administrator; where a Part 9 debt agreement appears suitable, MyBudget can refer you to its sister company MyDebtSolutions, which is a registered administrator.

Free, independent and confidential financial counselling is available from the National Debt Helpline on 1800 007 007.

Client outcomes referenced across this site are individual experiences shared with permission. Results depend on your income, your debts and your circumstances, and are not a prediction of what any other household will achieve.