Reach Your Money Goals With a Personal Budget

Whatever your financial goals are, budgeting effectively is what makes them reachable. MyBudget plans your income and expenses up to 12 months ahead, so bills are paid on time, debt reduces and savings grow at the same time.

Your first appointment is free and there are no long-term lock-in contracts. Call 1300 300 922.

How budgeting support works

Build a personal budget

MyBudget helps you create a realistic plan that fits your actual lifestyle — paying off debt, saving for the future and still enjoying the life you want. A budget you cannot live with is a budget you will abandon in a fortnight.

Automate bills and savings

Custom technology keeps bills paid and savings growing, so the admin stops eating your evenings. Money moves in the right order without you having to remember which direct debit lands when.

Support when you need it

You are not left with a spreadsheet and good intentions. Money Coaches help you stay on track, and support is a phone call away when something changes.

What makes it different from a budgeting app

Most budgeting apps are self-managed and show you spending after it has happened. They are a rear-view mirror.

A MyBudget plan shows what is coming: upcoming bills, projected balances and cash flow across the next twelve months. Bills are scheduled and paid, and a Money Coach adjusts the plan when your income or circumstances shift.

Who it helps

Budgeting help suits people who are living pay to pay, juggling debt repayments, saving towards something specific, managing an irregular income, or simply tired of carrying the mental load of it all.

You do not need to be in difficulty to use it. Plenty of clients are coping fine and want the time and headspace back.

What it costs

The first appointment and your personalised 12-month budget are free, and the budget is yours to keep whether or not you continue.

If you join, there is an establishment fee spread across your initial 12-month budget, plus an ongoing weekly administration fee. Both are shown in your proposed budget before you join — no hidden costs, no long-term lock-in contracts.

A note on scope

MyBudget is a budgeting and money management service. It is not a licensed financial adviser and does not give personal advice about investments, superannuation, insurance or financial products. For that, speak to a licensed financial adviser.

Get started

Call 1300 300 922 for a free, confidential appointment. It takes about ten minutes.

What does MyBudget's budgeting help service offer?

MyBudget offers a personalised budget with a tailored 12-month plan, designed to help clients stay on top of bills, build savings and achieve their financial goals. The service includes a free appointment.

What percentage of MyBudget clients report reduced financial stress?

According to MyBudget, 92.6% of its clients reduce their financial stress once they have a tailored personal budget and proper support.

How does budgeting help with paying bills on time?

A structured budget ensures essential expenses are prioritized and paid consistently, which helps people avoid late fees and additional interest charges.

What does MyBudget mean by breaking the 'pay-to-pay cycle'?

Rather than waiting for payday and watching money disappear, budgeting helps people see 12 months ahead and plan confidently for their future, breaking the cycle of living paycheck to paycheck.

How does budgeting help reduce debt according to MyBudget?

Budgeting gives visibility over money, helps prioritize repayments, and keeps spending under control, allowing people to reduce debt faster.

How does budgeting support building savings?

Once essential expenses are covered, budgeting enables people to intentionally allocate funds toward savings goals, such as an emergency fund, a holiday, or a house deposit.

What are the steps to set up a budget recommended in MyBudget's guidance?

The recommended steps include: 1) Set clear money goals using goal-setting templates, 2) Track expenses and due dates using tools like the free Personal Budget Template to keep bills paid on time, 3) Review needs vs wants to identify areas to cut back, and 4) Start an emergency fund (the source text is cut off after this point).

Is there a cost to get started with MyBudget's budgeting help?

Yes, MyBudget offers a free appointment as part of its budgeting help service.

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