How much does MyBudget cost? And why it could be the best financial decision you’ll ever make

If you’ve been thinking about joining MyBudget, this blog answers the number one question individuals ask. How much does it cost to get expert support with your personal budget and financial goals?

Your guide to MyBudget: how it works, what it costs, and why thousands of people now live life free from money worries

If you’ve been wondering how much MyBudget costs, you’re in the right place. It’s one of the most common questions we are asked, and for good reason. When your finances are getting the better of you, the last thing you want is another cost that tips you over the edge. That’s why we created a service that puts your financial wellbeing first. We start by offering something truly helpful: a free, tailored budget plan designed just for you.

What is MyBudget and how can it help me?

From paying bills on time to smashing savings goals and becoming debt-free, MyBudget is designed to take the stress out of money management, no spreadsheets, no more late fees. For over 25 years, we have helped more than 130,000 people take control of their finances with expert guidance and tailored budget plans.

People who engage with their finances, budgeting, planning and tracking, report significantly higher financial wellbeing.

Melbourne Institute, Hilda Survey

Is the first MyBudget appointment really free?

Yes, 100% free. At your first appointment, a Personal Budgeting Specialist will work with you to understand your financial situation and create a 12-month future-focused budget plan. It’s yours to keep, no strings attached. If you decide not to continue, there are no fees to pay.

This personalised service includes a complete financial assessment of your income, expenses, savings goals, upcoming bills, and even those forgotten costs like car repairs, rent increases or school holidays. We’ll also explore your financial goals and help you prioritise your wants vs needs. It all adds up, and we help you plan ahead.

What happens when you join MyBudget?

Once you become a MyBudget client, you’ll have a team of expert money coaches to help you bring your budget to life. From day one, we provide tailored guidance and support to help you manage your money, reduce financial stress and stay on track toward your lifestyle and goals.

Initial setup fees and ongoing charges for MyBudget clients

If you choose to become a MyBudget client, that’s when fees come into the picture. The most important part to know is this:

We’ll never sign you up unless the plan is affordable for you.

Tammy Barton | MyBudget Founder & Director

The fees vary depending on your unique situation because every MyBudget plan is tailored just for you. There are two main components:

• • an establishment fee, which is spread across your initial 12-month budget plan so you’re not paying upfront

• • a weekly administration fee, clearly outlined and built into your budget.

This means your fees are manageable, predictable, and never hidden. They’re factored into your personal budget alongside your regular bills, such as utilities, groceries, mortgage or rent, and credit card repayments.

What makes MyBudget different from other financial services?

The MyBudget difference is clear: while most financial tools and apps show you where your money went, MyBudget shows you where it’s going next. We unlock your full financial potential with a clear roadmap of where your money can take you over the next 12-months and beyond.

This includes:

• • knowing your “debt-free” date

• • creating savings streams for your financial goals, like a house deposit or emergency fund

• • structuring your spending across needs, wants and savings

• • using tools like Snap My Bill to manage upcoming expenses with ease.

It’s less about restriction, and more about financial freedom.

And the results speak for themselves.

MyBudget clients save an average of five days every year by reducing the time they spend managing their finances.

Unlike budgeting apps that leave you to do all the work yourself, MyBudget helps take the mental load out of managing your money so you can focus on living your life.

Can I afford MyBudget?

According to the MyBudget 2026 Financial Wellbeing Report, 93% of clients reported feeling significantly less financially stressed after joining MyBudget.

When your bills are organised, your debt has a plan, and you know exactly what’s coming over the next 12 months, money becomes far less overwhelming.

Just like you’d pay a hairdresser to cut your hair or a mechanic to fix your car, investing in your financial wellbeing means trusting professionals to help you manage your money and achieve your goals.

So instead of asking “Can I afford MyBudget?”, a better question might be: “Can I afford to keep going without it?”

The bottom line is that if it’s not affordable for you, we won’t go ahead. Simple as that.

So there’s zero risk in coming in for your free plan. The worst-case scenario? You walk away with a personalised budget plan that includes your fixed expenses, bank accounts, credit card debts, and savings forecasts, for free.

Real clients, real financial success stories

Kim & Bob

Kim and Bob were struggling to keep up with multiple debts, with interest charges and late fees making it almost impossible to get ahead. They realised the money they were losing every month to fees and interest was actually costing them more than the MyBudget service itself. Instead of continuing to pay for debt, they invested in a personalised budget plan and ongoing support. In just 15 months, they paid off more than $28,000 across 12 debts and finally broke the cycle. Today, they’re still MyBudget clients because they value the structure, financial confidence and peace of mind that comes from having a clear plan for the future.

Read how Kim and Bob transformed their finances with MyBudget.

Alyssa & Pete

Alyssa and Pete’s story is one of determination, teamwork and living with purpose. After racking up $36,000 in credit card debt, the couple realised they needed help to break the cycle. They turned to MyBudget and, over six years, successfully cleared their debt, built savings and learned how to thrive on a single income. Their journey wasn’t just about numbers, it was about regaining control, aligning their money with their values, and creating a life filled with joy, stability and intention.

Tammy Barton talked with Alyssa and Pete on the MyMoney MyStory podcast – it’s a must listen!

And they’re not the only ones…

What MyBudget clients are saying

Our verified Trustpilot, ProductReview and Google reviews speak volumes, with thousands of 5-star experiences highlighting the real impact of MyBudget’s support and care.

The most popular thing our clients say is they wish they started sooner!

Ready to find out what MyBudget could do for you?

Here’s what you can expect when you take the first step:

• • your first plan is free to take home

• • there’s no obligation to join

• • no lock-in contracts, just support when you need it

• • we only go ahead if it fits your situation and financial position.

If you’ve been wondering How much does MyBudget cost? The answer is simple: less than you think, and never more than you can afford.

Book your free 10-minute initial chat now, or call us on 09 849 6285. You’ve got nothing to lose!