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How Does MyBudget Work?

See up to 12 months ahead with a personalised budget tailored to your goals. Our caring Money Coaches and powerful budgeting technology help you stay on track with confidence.

Book Your Free Appointment

Free appointment | No long-term, lock-in contracts.

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

Tammy Barton, MyBudget Founder and Director, leading a personal budgeting service that has supported more than 130,000 people for over 25 years.

Tammy Barton | MyBudget Founder & Director

Why Choose MyBudget NZ?

Start with a free, 12-month budget plan

Start with a free, 12-month budget plan

Get a customised 12-month budget showing what's possible with your money. It's free, and your budget is yours to keep.

Expert money coaches by your side

Expert money coaches by your side

Our expert Money Coaches pay your bills on-time, helps you grow savings and can even speak with creditors on your behalf.

Pay off debt while your savings grow

Pay off debt while your savings grow

Build an emergency fund, grow your savings and plan ahead while paying off debt.

Smart tech for visibility & control

Smart tech for visibility & control

Track spending, manage bills and see your 12-month projected balances so you always know what's ahead.

Simple, tailored fees

Simple, tailored fees

Fees are tailored to your situation and built into your budget, with no hidden costs or long-term lock-in contracts.

Support that grows with you

Support that grows with you

Enjoy a personalised budget, expert support and 24/7 app access to manage money, reduce debt and stay on track.

Start Your Free Budget Plan

See How MyBudget Works

Personal budgeting made simple. MyBudget combines caring Money Coaches with powerful budgeting technology to create a personalised budget that lets you see up to 12 months ahead. Whether you want to stop living pay-to-pay, have bills paid on time, pay off debt, save for a house deposit or build long-term financial security, you’ll have the clarity, confidence and support to stay on track.

What Makes MyBudget Different?

 

See up to 12 months ahead

Unlike many budgeting tools that only show your current balance, MyBudget gives you a personalised budget with a 12-month financial projection. You’ll be able to see upcoming bills, planned expenses and how today’s decisions can affect your future finances.
That visibility helps you plan ahead with confidence, avoid financial surprises and work towards goals like paying off debt, building savings or saving for a house deposit.

Support from a real Money Coach

Your Money Coach works alongside you to build a realistic budget, keep your bills paid on time and adjust your plan as life changes. You’ll always have expert support when you need it.

Built around your goals

Every budget is tailored to your income, expenses and financial goals. Whether you want to stop living pay-to-pay, reduce debt or create long-term financial security, your budget is designed to help you get there.

Ready to see what’s possible with your money?

Book your free appointment and receive a personalised 12-month budget.

Book Your Free Appointment

 

MyBudget clients Adam and Erin organising bills, supported by a debt management plan and budget planning in New Zealand.

Erin & Adam | MyBudget clients

Why a Personal Budget Matters

Whether it’s paying off debt, managing bills, saving for a house deposit or building long-term financial security, a personal budget gives your money a clear direction. It helps you plan ahead, reduce money stress and see what’s possible over the next 12 months.

A personal budget can help you:

  • See what’s coming before it happens
  • Keep bills and repayments on track
  • Build savings while paying off debt
  • Plan for goals with more confidence

Financial wellbeing starts with knowing what’s possible, then having the support to make it happen.

Tammy Barton | MyBudget Founder & Director.

How MyBudget Works FAQs

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

  • MyBudget works by creating a personalised budget that lets you see up to 12 months ahead, then supporting you to stay on track with expert Money Coaches and smart budgeting technology. As part of our budgeting help, we’ll review your income and expenses, organise your bills and repayments, build savings into your plan and help you reduce debt. Your Money Coach provides ongoing support as your circumstances change.

  • 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.

  • Yes. You can adjust your budget and access your money whenever you need to. Your personalised budget updates as your circumstances change, giving you an up-to-date 12-month view of your finances. If unexpected expenses arise, your Money Coach can help adjust your budget to keep you on track. You can also transfer money between your MyBudget and personal accounts via bank transfer.

  • If you receive an unexpected bill, contact MyBudget as soon as possible. We’ll review your budget and, where possible, adjust your plan to help you manage the expense without losing sight of your financial goals. With a personalised budget and support from your Money Coach, you’ll stay on track with greater confidence and less financial stress.

  • Creating your personalised budget is completely free. If you decide to become a MyBudget client, your fee will depend on your financial situation and the level of support you need. We’ll explain all costs upfront, with no hidden fees or long-term lock-in contracts.

  • Your free MyBudget appointment is a friendly conversation with one of our Money Coaches about your income, bills, debts and financial goals. We’ll create a personalised 12-month budget that’s yours to keep, so you can see what’s possible with your money before deciding whether MyBudget is right for you.

  • MyBudget combines caring Money Coaches with powerful budgeting technology to give you a personalised budget that lets you see up to 12 months ahead. Unlike traditional budgeting apps, you’ll also receive ongoing support to help manage bills, reduce debt, grow savings and stay on track towards your goals.

In the media

MyBudget has been featured in leading media and trusted publications.

  • MyBudget Reviews

    We’ve been using MyBudget for over 4 years now and this is our 3rd time back. The customer service team are polite and professional. We never feel alone and always supported. We are debt free and saving for a house deposit. If you feel the mountain is too high to climb alone, contact MyBudget. You won’t be disappointed!

    Dani | MyBudget client

  • MyBudget Reviews

    Amazing and friendly service from the team from MyBudget and MyBudget loans. We recently refinanced our home loan and had a great experience!

    Abby | MyBudget client

  • MyBudget Reviews

    Best decision I’ve ever made is using MyBudget. As a family of 5 things get tight and out of hand. I’ve managed to pay off my debt, pay all my bills, buy 2 new cars and take family on several overseas trips including a big trip to Disneyland. I could never have this lifestyle if it wasn’t for MyBudget.

    Aleta | MyBudget client