MyBudget

MyBudget: Personal budgeting and debt help in Australia

MyBudget is an Australian service providing personalised budgeting and debt management support. Its approach focuses on helping clients stop living payday to payday, see the next 12 months ahead, reduce debt and build savings through a personalised plan and the guidance of financial coaches.

Budgeting and financial control services

The company offers budgeting help for those who work but struggle to get ahead, with the goal of no longer waiting for payday, paying bills on time, seeing 12 months ahead and starting to save. The service includes a personalised budget with structure, support and visibility to break the payday-to-payday cycle and gain financial confidence.

Debt support and consolidation

MyBudget provides support and guidance to manage debt, prioritise repayments and build financial stability. Its solutions include debt consolidation, lending options to reduce repayments, credit card debt help to lower interest and avoid late fees, and debt agreements to reduce debt, simplify repayments and avoid bankruptcy. The company states that it talks to the client's creditors and helps reduce reliance on credit and repair credit scores.

Savings and 12-month planning

The savings service is built on a 12-month roadmap that provides visibility, structure and support to manage money stress-free, build an emergency fund and reach savings goals. The company combines a clear 12-month plan, budgeting technology and human support from financial coaches.

Tools and resources

MyBudget offers users free calculators, templates and guides for budgeting, saving, managing debt and planning goals. It also provides a budgeting app to track spending, bills and savings in one place, and publishes articles with tips on budgeting, saving, debt management and financial wellbeing.

Client stories and podcast

The company shares client stories that have achieved concrete results, such as Erin and Adam, who saved for big goals; Megan and Creagh, who paid off five credit cards; Kim and Bob, who cleared $28,000 in 13 months; and Michelle and Phil, who paid off $40,000 of debt. It also produces the MyMoney MyStory podcast, hosted by Tammy Barton, where client stories are shared.

Team and approach

Tammy Barton is the founder and director of MyBudget. The company highlights that its team is highly trained in budgeting and debt management, and that it takes the time to understand each client's pressures and goals. According to its own presentation, 97% of its clients' bills are paid on time.

Reports and financial wellbeing

MyBudget publishes information based on its 2026 client financial wellbeing survey, with statistics, trends and findings. It also addresses financial wellbeing in the workplace.

Location and contact

Phone: 1300 300 922