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Take Control of Your Money With a Personal Budget

If you’re overwhelmed, the right structure can change everything. Our personalised budget plan gives you 12-month visibility, real clarity, control and a clear path forward.

  • Pay your bills on time and stay in control
  • Reduce debt with a clear, structured plan
  • Build savings and achieve your financial goals faster
Start your journey with a no-obligation chat with our team.

MyBudget product review hero image highlighting Australian success. Trusted financial coaching leads to debt relief and financial goals.

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MyBudget clients Erin and Adam spending precious family time after getting their finances back on track with budgeting support and saving for big goals like a house deposit in New Zealand.

Erin & Adam | MyBudget clients

Budgeting support to help you take control

When you budget with us, your income and expenses are planned up to 12-months ahead. We provide structure and support so that your bills are paid on time, your debt is reducing and your savings are growing.

Build a personal budget

Build a personal budget

We help you create a realistic plan that supports your lifestyle and your financial goals, paying off debt, saving for the future, and enjoying the life you want.

Automate bills & savings

Automate bills & savings

We automate your bills and savings so your budget runs smoothly in the background, freeing up your time so you can stop worrying about money and start living.

Support when you need it

Support when you need it

You’re never on your own. Our caring money experts help you stay on track and keep moving toward financial freedom. Support is always just a call away.

Why is budgeting important?

A budget shows you where your money is going, what your commitments are and how close you are to achieving your financial goals.

What are the benefits of having a budget?

  • Track spending to stay within your means
  • Reduce stress by planning for bills and unexpected costs
  • Pay off debt, grow savings and plan confidently.

With the right visibilty, structure and support, see how your financial situation can improve with MyBudget.

130000+

People helped

25+

Years of service

Tammy Barton, Founder and Director of MyBudget, with team member Tara, leading expert financial coaching and debt solutions for New Zealand.

Tara & Tammy | MyBudget team members

How much does MyBudget cost?

At MyBudget, it’s not a one-size fits all approach. Your 12-month budget is tailor made for you. Fees are transparent. They’re dependent on the complexity of your financial situation and based upon the level of support you need.

  • Your first appointment is free
  • Take home a tailored 12-month budget plan
  • No lock-in contracts.
MyBudget clients Erin and Adam spending precious family time after getting their finances back on track with budgeting support and saving for big goals like a house deposit in New Zealand.

Erin & Adam | MyBudget clients

Erin & Adam saved $70,000 in 2 years

With MyBudget, Erin and Adam turned financial uncertainty into stability, with a clear budget and a supported plan to reach their goals.

Here’s what they achieved:

  • Saved over $70,000 for major life goals
  • Switched from stressful spreadsheets to a clear, simple system
  • Achieved milestones like buying a home and starting a family.

Personal budget FAQs

Can’t find what you’re looking for? See more FAQs…

  • MyBudget is a personalised budgeting service available throughout New Zealand that helps you stay on top of your bills, reduce debt and build savings. Your dedicated Money Coach works with you to create a personalised budget and a 12-month financial plan, giving you a clear view of what’s ahead and ongoing support to help you stay in control of your money with confidence.

  • No. You remain in control of your finances at all times. MyBudget provides personalised budgeting support, a tailored 12-month financial plan and ongoing guidance from your Money Coach, but every decision is yours. You’ll always know where your money is going, can access your funds when you need them and can update your budget as your circumstances change.

  • MyBudget helps people take control of their finances by creating a personalised budget, organising their bills and providing day to day money management support. We help reduce financial stress, manage debt, build savings and give clients a clear, structured plan for their financial goals. With over 25 years of experience and more than 130,000 Australians helped, our system provides stability, confidence and long term results.

  • Yes. MyBudget is a licensed Financial Advice Provider (FAP), but our advice is limited to our personal budgeting service. We specialise in personalised budgeting, debt reduction strategies and cash flow management, helping you organise your bills, stay on track with a 12-month financial plan and build better money habits. We don’t provide advice on investments, KiwiSaver or insurance, allowing us to focus on helping you achieve your financial goals and live life free from money worries.

  • 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.

  • Many people qualify for MyBudget if they have a regular income paid into a New Zealand 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, enquire today to get started.

In the media

MyBudget has been featured in leading Australian media and trusted publications.

  • MyBudget Reviews

    Not judged or treated badly the customer support every time have been amazing like nothing I’ve experienced. Speaking to real aussies on the phone who genuinely care for you. I cannot thank my financial advisor for recommending MyBudget as this has saved me. I was one payment away from defaulting and this has saved my houses.

    Joseph | MyBudget client

  • MyBudget Reviews

    One of the BEST things I’ve done is joining MyBudget (seriously). The staff are professional and really want to help you with any money issues you may have and try and help you to start saving money. Do you want to get bills paid early and on time, save money for now and the future plus emergencies? YES… Money is important and MyBudget seems to handle and control my money better. Friendly staff with great advice.

    Brian | MyBudget client

  • MyBudget Reviews

    I recently joined MyBudget and so far I’ve had one of the best experiences with MyBudget, everyone I’ve spoken to so far has made me feel so comfortable and tended to every need and question I’ve had! Going into such a new thing I was quite nervous and not sure how it would work out and had a lot of anxiety around the situation but overall it’s been such an amazing and positive experience and I would highly recommend this to all my family and friends!

    Isabella | MyBudget client