1,773 reviews
AI reviews summary
The sentiment for MyBudget is overwhelmingly positive, with users frequently describing the service as "life-changing" and a "lifesaver". The majority of feedback highlights a significant reduction in financial stress and the successful achievement of long-term goals like home ownership and debt elimination. While a small segment of users expressed concerns regarding high fees and perceived loss of financial control, the prevailing takeaway is one of deep gratitude for the supportive and non-judgemental nature of the staff.
Pros
Cons
Verdict
MyBudget is a highly effective service for individuals and families struggling with debt, financial anxiety, or a lack of budgeting discipline. While the fees are a recurring point of contention, the vast majority of users find the cost is outweighed by the peace of mind and tangible financial progress achieved through their structured management.
The MyBudget team are so efficient and so clear with their communication. Nothing is a problem, and they're always available to help. I use the chat function quite a lot due to being busy at work and not able to be on the phone. I find the chat team very easy to deal with and very friendly. Show reply
They record calls and get official documents from banks and wills lawyers with you wanting them not to They don’t value privacy as your word is not good enough. This is a scammers delight site as scammers could easily hack into their business. I was shocked what the manager was telling me. It’s not a budget site as they will take your money and run to enjoy it. Stay away from them.
Reviews with attachments
Everything was fantastic and professional Thank you so much appreciated Show reply
Allan Obbes here . Been with MyBudget for over a year now. Since my application for Bancruptcy ; they have helped me with my finances; saving money, preparing with upcoming bills & & their Call Support is amazing & so so helpful. Show reply
Been with them for 10 years, not changing any time soon. Spoke with the amazing Mitchell today, handled my issues with consummate ease. :) Show 3 replies
Outstanding Support – Tanya has honestly changed all aspects of my life for the better. I struggled with overwhelming debt after my separation and the whole team at My Budget were so supportive and non judgmental. Every call is handled with care, attention and professionalism. I cannot thank My Budget enough for getting my finances and life back on track. Would highly recommend it to everyone. Knowledge is definitely power. Thank you Tanya and My Budget. Show reply
Best decision I’ve ever made – My situation was so dire I wasn’t sleeping, the stress and anxiety was impacting my personal relationships, work and every aspect of my life. I was receiving debt collection calls, emails, text messages and letters. I was scared to pick up my phone. I researched debt consolidation loans, early release of super, everything you can image. I… Read more · 2
finally made the decision to give MyBudget a call and honestly it’s the best decision I’ve ever made.
After the initial conversation, I was just hoping MyBudget could help me manage my debt and get things like credit cards and store credit under the limits. I wasn’t prepared for the the possibility that my situation was so bad I needed to go bankrupt. I thought I was a failure because I had buried my head in the sand for so long and let things get this bad. I couldn’t support my family, I’d failed my son.
It took me a little while to process but after much research, I knew this was the only option to keep the roof over our heads and food on the table.
I signed up to MyBudget, have taken the steps to apply for bankruptcy and believe it or not, I can finally see light at the end of the tunnel. I know my bills will be paid on time. I won’t have debt collectors calling, emailing or texting me.
Everyone I have spoken to at MyBudget has been so kind, patient, understanding and compassionate. From the customer service representatives, Ben and Aaron and to the beautiful Shasta who has helped me with providing knowledge, support and kindness. She answered all my questions and I couldn’t have gotten through the last few days without her.
MyBudget have my budget up and running and I can finally sleep a little easier, the stress and anxiety have eased knowing my basic living expenses will be paid on time. There is nothing better than knowing your rent won’t be late again and utilities won’t be cut off. Not only that, but I can still enjoy my coffee fix and my football :-)
I even have a savings goal. Something I didn’t even dream of a short couple of weeks ago.
When the employees say welcome to the family, they genuinely mean it. The customer service they provide is phenomenal. You can’t fake it. They genuinely mean it when they say they care.
My only regret, I should have done this years ago. If I had, I may have been able to avoid insolvency. But what is done is done, I am now moving forward with the amazing people at MyBudget knowing I am in full control of my money for the first time in my life.
I can’t thank everyone enough.
Latest follow-ups
Even though I’m on a relatively good income, I struggled with keeping track of my expenses and building up savings. MyBudget has just taken the stress out of managing my money, and I’m very grateful for their kind, respectful and judgement free advice and support. Show reply
Follow-up · i've been more realistic about what I need each week, and much more mindful of the choices about things I want.
Do not use they pay your bills and everything else rather before your living expenses even if you have it as number one every time you want to try and get your own money they always charge you have to pay a fee to get your own money . Do not use all they want is your money. That's it. Nothing more. They're not very good help at all
Follow-up · It was a fight to get my money. They wanted to pay themselves and all bills first before giving my living expenses. I tried to change this but my budget said you have to pay them and your bills first if I did want to change I'd have to pay a fee to get my own money. Very rarely they did help and their excuses is that. They are trying to get you… Read more
Hi Ben, We sincerely apologise for the frustration… Read more (+4 replies)
In-depth reviews
Nicole has honestly been an absolute game changer for our family. We came into this feeling overwhelmed and, if I’m being real, a bit defeated financially—but from the very beginning, she made us feel supported, understood, and completely without judgment. She’s incredibly knowledgeable and explains everything in a way that actually makes sense,… Read more · 1
which has helped us feel more in control and less stressed about our situation. What really stands out though is how much she genuinely cares. She takes the time to understand our circumstances as a family, not just numbers on a page, and works with us in a way that feels realistic and achievable.
Nicole is always there when we need her—patient, encouraging, and consistently going above and beyond. She celebrates the small wins with us and keeps us motivated when things feel tough. It’s rare to come across someone who combines professionalism with such a down-to-earth, supportive approach.
We honestly couldn’t ask for anyone better. She’s an absolute superstar and we’re so grateful to have her in our corner.
I had a phone call with My Budget today and honestly, it was one of the best calls I’ve ever had. I hung up after 1 hour feeling so happy, motivated, and genuinely excited about what the next 12 months look like for me and my partner. In the past, I’ve had a few calls where I’ve walked away feeling overwhelmed, stressed, and like my goals were… Read more · 1
out of reach. But today was completely different. The lovely lady I spoke with today was absolutely incredible. She was so warm, kind, and genuinely caring from the moment the call started. She really took the time to listen to every detail, never made me feel rushed, and made me feel completely comfortable opening up about our situation. Her patience, understanding, and the way she explained everything so clearly made such a difference. You can tell she truly cares about helping people, and that kind of support is so rare to come by. She completely changed my perspective and made me feel confident and excited about our future.
She helped put everything into perspective and showed me that the goals we’ve been dreaming about are actually achievable just by working through our budget properly. It was such a refreshing and empowering experience.
I feel so over the moon to be with My Budget. It’s honestly one of the best decisions my partner and I have made. Having that financial clarity and freedom not stressing about bills, debt, or when things are due is such an incredible feeling.
I would 110% recommend My Budget to all my family and friends. It has truly made such a positive difference in our life
My budget are my financial management genies they can squeeze blood from big old stones quite painlessly they have helped my husband and I get out of a desperate situation where we had to go almost into bankruptcy however I can't quite remember what it was called but it was like an admistrstion team took over to help stop all creditors from… Read more · 1
hounding us then that allowed us to start to repay ever so slowly $96000.00 worth of credit card debts. It was severe hardship and it was very tough. When we first joined my budget my husband was really apprehensive due to the management fees that my budget charges for their fees. But I said we've got nothing to lose. Well that would have definitely been over 10+yrs ago now and all I can remember was that within an extremely short period of time where we had paid off completely the $96000.00 and we were no longer suffering with severe financial hardship. It was simply miraculous. My husband gad definitely come around to the definitely paying management fees as they area small investment into your complete financial stress strain or concerns for our money ever again.. we have money for rates ,car rego , Xmas,food,transport to get my husband to work ,for every bill that ever comes in I just take a screenshot of it and send it online yo my budget and they take care of it with money we already have saved up for so we know the funds are there. It's been life changing for our family. We haven't needed nor allowed ourselves to ever have a credit card ever again. We've taught our children not to use credit cards and not to use these pay in 4 pays as they are a form of credit card in themselves its just aimed at all of our next generation as not a credit card but an easy way to buy what you want now and pay later and we've not wanted our children to learn the hazardous dangers in g getting stuck in too many pay now pay later. But what I really want to say is there is no greater feeling then knowing your not fearing creditors calling you or bills constantly hanging over your head. We no longer have any financial issues so much thst right now we have built s brand new home thats been valued at $1,1250,000.00 and we currently have approx $100,000.00 in personal savings.. so i have no words to explain just how much we owe everything to my budget as we wouldn't be here in this financial position. So i can never praise my budget more than t he freedom they have given not only my husband and I but helped us teach our kids how to be better money managers as well. So I thakyou from the most sincerest part of my families heart that you saved my family and I will happily tell everyone I can to join my budget because you can and you did change and transform my families trajectory in our life our future. So thankyou so very much we truly and sincerely want to say thank g od my budget exist because I don't know where our family would have ended up today if we didn't watch your adds on television. So we truly appreciate everything that you have done for my family. Thankyou. Sovery much. If your doubting or hrsitating on joining my budget I get it But trust me when I say the feeling of financial freedom is like nothing you can ever imagine especially if your stuck in thst debt loop that we were but believe me when I say my family wouldn't be who we all are today trouble free debt free the feeling is amazing and I want you to feel how your life would be debt free as well. That's only reason im sharing my story is to give you the hope in knowing that they can be your solution today. Just give it a try. Thankyou
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Positive reviews
MyBudget has been really helpful and patient through the whole process and I have had great great customer service from your staff and I really appreciate it. Thankyou Show reply
Im not a person to leave reviews that often but I can't leave this company without a review. I LOVE mybudget. When I joined... approx 5ish years ago I genuinely felt that if they couldn't help my only option was to declare bankruptcy. Fast forward to now, not only am I out of debt, I put myself back in debt 3 years ago for a car, that is also now… Read more · 2
paid off. I also now live out of home, and get to take yearly coast trips that are planned for. If I get a random bill im never caught unawares. Or caught in an awkward position of do I pay it or do I feed myself. I will scream from the hill tops for the rest of my life how wonderful this company is. Also if you're wondering YES I would love to do one of those "listen to one of our clients" interviews. As I always say when ever I call you, please don't change a thing. This company deserves all the awards
Mondays being Mondays the ugly best can appear and you think luck is running out. That was me about 30 minutes ago and then I spoke with Pam one of My Budgets Money Coaches. Well Pam was a total professional, answered all my questions and provided me with common sense answers and support. Thank you Pam. You tamed the ugly bear Show reply
Negative reviews
Terrible dont use them! Helped us out a pickle but since then every week we have issues, pushing payments back without reason, we call they fix it then the next week happens again. Will be cancelling as $65 a week for nothing has not been fun! Nothing but STRESS!!!!
Hi Brooke, Thank you for sharing your experience. We’re… Read more (+2 replies)
I contacted them for Budget advice. What I got was this performance that was focussed on getting my wife and I to hand over our income so they could pay bills, etc. Not give me a road map or plan that I can employ. But their solution, controlled by them, all at a cost. That's fine if you're undisciplined and can't manage your finances yourself.… Read more
That's what they assume everyone is, including us.
After looking at their budget, I worked out how to achieve the same outcomes myself.
Once I decided to invoke the cooling off period, everything changed. Call appointments were cancelled, and I wasn't advised.
The staff became belligerent and talked over me. They weren't interested any more, or willing to accept feedback.
So all this snake oil sales pitch is just bullsh!t.
Hi Antony, Thank you for taking the time to share this… Read more
If I could do no stars I would. We have left mybuget after being with them for over 6 years. They left us more in debt than before. They put living expenses below everything else, expecting me to not have any food shopping money sometimes for up to two weeks with a family of 6. 2 adults 4 children. When we left they did not make us aware of two… Read more
bills that were extremely late and we now have debt collectors after us. They did nothing but put us further and further in debt. Trying to take our kids Christmases and birthdays away to pay for bills etc. Expecting us not to give our kids christmas or birthdays. We are more stressed than before we first started with them. Every time I had to ring up for emergencies for extra money for things that had to be paid, they would basically make me feel guilty and keep saying how much it was affecting the budget. We are freshly out of mybudget now and using a free financial counsellor instead of paying their ridiculous fees! Trust me when I say avoid them at ALL costs! They will NOT help you. They will put you further in debt!
Hi Tash, We are genuinely sorry to hear that your… Read more
Recent reviews
My experience with marcus today was fantastic! Marcus helped me "flesh out" our incomes by going through our budget and adjusting my Centrelink incomes. We did this by exchanging screenshots of the breakdown of my Centrelink payments through the centrelink app and adjusting the incomes and fixing the names of payments. This is going to be… Read more · 1
amazing for me in the future as i can clearly see what Centrelink payments are coming in, when they arrive and exactly what each payment will be estimated at.
I cannot thank marcus enough for all the work and energy he did today to make that happen.
I love being with mybudget because the staff are just awesome! So helpful, patient, kind and funny! My customer service representative today was the best I've ever had Show reply
I had the pleasure of dealing with Mathew when I called to fix some things in my budget. He was absolutely amazing and made me feel even more in control of my money. Set things up for me and played around with things to really make them work. I can’t manage my money at all and he really made a massive difference. Show reply
Find out how MyBudget compares to other Budgeting Services
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I spoke with Kevin today about a direct debit that came out of my account by my gas supplier. I was ringing my budget to ask to hold all future payments until I confirm payment dates. It was not your fault what happened, it was a gas supplier. Kevin though was an absolute legend, he listened to me venting my anger about this other company, he made… Read more · 2
me laugh, he helped me with with the problem and he raised a dispute to try and get the bpay payment refunded. Kevi, thank you with all my heart, you made me laugh and helped to calm me down, you listened abd provided me with advice, you are a legend in my eyes, thank you
Have had the most wonderful support and incredible journey in my budgeting with Kyle. I am always supported in every phone call and the conversation always is remembered if I get them the next time as well. I am not just a number. My journey is imprtant to them. Show reply
left a email stressing over my pay being short this week and withing 1 minute on the phone to alice she had already moved the budget around and fixed it up. removing a major stress off me i can’t thank the team enough yous are the best Show reply
I had such a great experience with Alice from MyBudget. She was incredibly kind, patient, and supportive throughout the whole process of setting up my budget. What initially felt overwhelming became so much easier thanks to how clearly she explained everything and how genuinely understanding she was of my situation. Alice made me feel… Read more · 1
comfortable asking questions and never once made me feel judged. She took the time to make sure I understood each step and helped create a budget that actually feels achievable and realistic for me. Her professionalism, communication, and caring attitude truly stood out.
I’m really grateful for all of her help and would absolutely recommend both Alice and MyBudget to anyone looking for support getting their finances back on track. 5 stars all the way ⭐⭐⭐⭐⭐️
When my husband and I first approached mybudget, we were approaching financial disaster. Mybudget helped show us a pathway forward, how we could rebuild our security, and plan for our goals. Mybudget took the stress out of banking and bills. Thank you Mybudget for all the support at these years. Show reply
My budget overall has been so valuable for us. We now have no debt left except our home loan and you helped us secure an amazing refinance loan. We’re truly so grateful. Show reply
Alice has gone above and beyond and has been absolutely Outstanding, shes turned my life from being an absolute mess yo be able to do this almost by myself, one day that will come but untill then Alice has been there day in and day out sometimes especially when it gets all to much for me and I hurry my head in the sand, Alice you're the first… Read more · 1
person yo boost my confidence so thanks yo you life's just starting yo feel the best it ever has. Thankyou Alice I couldn't of done this without you. Thankyou for also telling me how proud you are of me for never giving up Thanks again Alice at my budget you are my hero ❤️
Wow, Emma was so amazing to talk too! Beautiful person, beyond informative, helped me understand so much on this phone call, MyBudget is just getting better and better, only just joined, but has been life changing, thankyou so much, for bringing so much peace to my life, it's changed everything for me Kylie Jones Show reply
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Hi JSTE, Thank you again for sharing your feedback. As… Read more (+1 reply)