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 250+ staff, manages $1 billion+ in salaries and processes 4.8 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 where the budget allows
• 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 — Start with a free introductory chat. 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.

Service scope and advice

MyBudget provides budgeting, debt help and money management support. For advice about investments, superannuation, insurance or other financial products, check the relevant provider’s current disclosures and the scope of its advice.

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.

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. We combine expert Money Coaches with a personalised budget and 12-month financial plan to help you stay in control of your money and plan confidently for the future. Backed by over 25 years of experience helping more than 130,000 Australians, our service is available throughout Australia, helping you live life free from money worries.

How much does MyBudget cost?

Your first MyBudget appointment is completely free. If you choose to join, your fee depends on the complexity of your financial situation and the level of support you need. We’ll explain all costs upfront, so you can decide whether our service is right for you. There are no long-term lock-in contracts, and your personalised budget plan is yours to keep. Learn more about how much MyBudget costs.

What happens at a free MyBudget appointment?

Your free MyBudget appointment is a relaxed conversation with an expert Money Coach about your income, expenses, debts, bills and financial goals. Together, we’ll create a personalised budget and show you a 12-month financial plan so you can see what’s coming, what you can afford and how to reduce debt while building savings. Learn more about How MyBudget Works.

How are MyBudget appointments conducted?

MyBudget appointments are held virtually, over the phone or in person at our Adelaide and Perth offices. This makes it easy to get professional help with budgeting from anywhere in Australia,  while giving local clients the option to meet face to face. Appointments are private and confidential, and our team will help arrange an available format and time that suits your circumstances. Book your free appointment.

Do I qualify for MyBudget services?

Many people qualify for MyBudget services if they have a regular income paid into an Australian bank account and meet our eligibility requirements. During your free appointment, we’ll review your financial situation and explain whether our service is the right fit for your circumstances. If you’re looking to reduce debt, build savings or get better control of your money.

Can I access my money whenever I need it?

Yes. You can access your money whenever you need to and remain fully in control of your finances. Your personalised budget is flexible, so you can request updates as your circumstances change. Through the MyBudget Client App, you can track your spending, upcoming bills and 12-month budgeting plan, while transfers between your MyBudget account and personal bank account are fast and straightforward. Our personal budgeting service helps you manage your money with confidence and live life free from money worries.

Does MyBudget provide financial advice?

No. MyBudget provides personal budgeting, debt help and money management services, not financial product or investment advice. We specialise in personalised budgeting, cash flow management, debt reduction strategies and savings plans that help reduce money stress and support your financial goals. We do not recommend specific financial products, investments, superannuation or insurance. If you need investment or specialised financial planning advice, speak with a licensed financial adviser while MyBudget supports your budget, debt management and savings plan.

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Licensing and advice

MyBudget's official FAQ says it holds an Australian Financial Services Licence (AFSL) and an Australian Credit Licence (ACL), and provides general rather than personal financial advice. Its website identifies MyBudget Pty Ltd with AFSL and Australian Credit Licence number 391759. Holding these licences should not be confused with offering personal financial advice. Check the current provider disclosures for the service you are considering.

Sources: MyBudget official FAQs and MyBudget website disclosures. Checked 18 September 2026.

Important information

This page provides general information only. It does not take your personal circumstances into account and is not personal financial advice. For the scope and licensing of a particular service, check the service provider's current disclosures or contact MyBudget.

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.

Explore MyBudget

• Budgeting help
• Debt help
• Savings support
• How MyBudget works
• MyBudget client stories
• Free budgeting resources

Explore MyBudget information and support

• Browse all MoneyHub content
• Read the 2026 Financial Wellbeing Report