Just Budget has helped thousands of Australians to get on top of their debts and we have a 5* rating to show for it. Start taking control with our help.
Just Budget has helped thousands of Australians to get on top of their debts and we have a 5* rating to show for it. Start taking control with our help.
Just Budget are trusted debt support professionals with over 30 years in the finance industry. We are rated 5* on Google and Trustpilot because what we do works. We change lives, and we could change yours too.
If your debts are too much for you to afford, then we could reduce them and help you regain control of your finances.
We’ve supported thousands of Aussies to reduce their debt payments and start their debt-free journey.
Check out the results below that 10 randomly selected clients were able to achieve:
| Client Name | Before Just Budget | New Monthly Payment | Monthly Savings | Reduction |
|---|---|---|---|---|
| Troy | $4,647.22 | $194.00 | $4,453.22 | 95.8% |
| Sally | $3,521.49 | $194.00 | $3,327.49 | 94.5% |
| Marcus | $5,723.78 | $374.00 | $5,349.78 | 93.5% |
| Rebecca | $5,536.16 | $394.00 | $5,142.16 | 92.9% |
| Andy | $1,931.73 | $434.00 | $1,497.73 | 77.5% |
| Michelle | $1,816.05 | $394.00 | $1,422.05 | 78.3% |
| Daniel | $1,075.59 | $365.00 | $710.59 | 66.1% |
| Karen | $782.62 | $294.00 | $488.62 | 62.4% |
| Steve | $2,190.37 | $1,194.00 | $996.37 | 45.5% |
| Nicole | $708.00 | $394.00 | $314.00 | 44.4% |
Before Budget
$4,647.22
New Payment
$194.00
Monthly Savings
$4,453.22
Before Budget
$3,521.49
New Payment
$194.00
Monthly Savings
$3,327.49
Before Budget
$5,723.78
New Payment
$374.00
Monthly Savings
$5,349.78
Before Budget
$5,536.16
New Payment
$394.00
Monthly Savings
$5,142.16
Before Budget
$1,931.73
New Payment
$434.00
Monthly Savings
$1,497.73
Before Budget
$1,816.05
New Payment
$394.00
Monthly Savings
$1,422.05
Before Budget
$1,075.59
New Payment
$365.00
Monthly Savings
$710.59
Before Budget
$782.62
New Payment
$294.00
Monthly Savings
$488.62
Before Budget
$2,190.37
New Payment
$1,194.00
Monthly Savings
$996.37
Before Budget
$708.00
New Payment
$394.00
Monthly Savings
$314.00
The figures in this table are from genuine client outcomes. The selections were taken at random and are not intended to represent or guarantee that other clients will achieve the same or similar outcomes. Each result is dependent on a range of factors.

We'll reduce your new debt payment to an amount you can afford without any nasty hidden fees.

Our job is to act on your behalf. We'll guide you towards a debt-free future and keep your creditors out of sight & mind.

As a debt support leader, you can trust us to provide the best results possible.
From day one, a dedicated expert will craft a personalised plan tailored to your financial needs. This same expert will then negotiate manageable terms with creditors and handle payments for you.
Just Budget is by your side every step of the way until you are 100% debt-free and stress-free.
Stop struggling and stressing over your finances. Reaching out to Just Budget could change your life and provide the relief you need today.
Imagine how it would feel to wake up every morning and not worry about how you will pay your bills. Imagine never feeling scared to answer the phone or open your mail again.
Just Budget has the tools to help you become debt-free. Find out how our debt solutions work:
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joshua mccarthy8 October 2026
I would highly recommend Pat from JustBudget. Pat was incredibly helpful and took the time to understand my financial situation and find a solution that worked for me and my family. The whole process was explained clearly, Pat was easy to communicate with, and I never felt judged about my circumstances. I really appreciate the time, effort and support Pat provided in helping me find a financial solution and giving me some peace of mind. Thank you so much, Pat, for all your help. It has made a real difference for us!![]()
Bijoy2 October 2026
Abigail had been fantastic and is helping me with my debt![]()
miki filipovic1 October 2026
Very helpful, all information given that actually makes sense, would recommend to everyone![]()
Alexander Bellotti30 September 2026
I was treated with respect and kindness and I recommended JB to anyone who is in financial difficulties as they sort all out and do exactly what they advise you and they keep you informed through the whole process 💯![]()
Ashton Casey30 September 2026
Exceptional customer service representatives, Very informative and thorough understanding of real life situations. Both Pat and Abigail where a dream to work with.![]()
Devika Padmakumar26 September 2026
Pat was very patient and helpful throughout. Clarified all my doubts and gave me suitable option.![]()
Camilla Mapula24 September 2026
Pat was very helpful. He has answered all my questions and understood my current situation. Pat was very thorough. Thank you for letting me understand how your company works.![]()
Brett HB22 September 2026
I’m debt free thanks to the amazing team, i didnt think i would be in this position. They are super helpful, friendly and do what they say. If your in a position of financial stress and need help, definitely contact these guys first![]()
Caitlin22 September 2026
Pat was really helpful, he answered every question I had to ask. Overall very happy with his service![]()
Turongo Neha18 September 2026
Thank you so much i rate Just budget amazing, easy to work with they do all the work all u do is click from ur fone, if there were 10 stars i would rate u that, thank uz exspecally keanu vanerhide, 10 stars buddy thanks![]()
Tash Maree17 September 2026
the team at just budget helped me stick to my payment arrangement with debts i had struggled with completing payments over the years and racking up more. they listened to my struggles and made me feel seen for financial mistakes i made, i appreciate the team so much for being so supportive and understanding, helping me take this step to financially bettering my future![]()
Hassan Ismail17 September 2026
“I had a fantastic experience speaking with Pat Neupane. From the moment the call started, Pat was incredibly friendly and attentive, making sure all my questions were answered. The level of customer service provided was exceptional, and I truly appreciate the support. Thank you, Pat, for your outstanding service!” Nat 🙏🙏![]()
Singapura Academy17 September 2026
Great helpful officers and advisers!![]()
Chantelle dierickx16 September 2026
Just Budget went above and beyond with advise, customer service and the services i needed. I highly recommend them 5 stars is not enough to give i rate higher![]()
Savuth Tak16 September 2026
Pat was great. He reolve all my issues and made it easy. Recommended![]()
Jessica Danckert15 September 2026
Just Budget have been amazing to deal with so far! Keanue has been an absolute pleasure to deal with and is very helpful and understanding. If you are struggling to make ends meet, I highly recommend Just Budget!![]()
josef hanson15 September 2026
Pat was a legend helping me consolidate all the little debts that were just getting missed and out of control giving me less stress and more time with my new born daughter![]()
Steven Parr15 September 2026
I highly recommend just budget to anyone that finds themselves in to much debt.the customer service is outstanding and they understand and really want to help.if not for them I don't know what I would have done.once again there customer service is second to none..I'm dealing with abby and she is absolutely wonderful. Thankyou so much again..easy 5 star..![]()
Ana Veloutsos15 September 2026
Pat and Alana from Just Budget are very professional and helped me out which i am very happy and much relief![]()
Bradley Redman14 September 2026
Keanue was great made the whole process easy and explained everything
This helps us understand what you can afford so you can get the best debt solution possible.
This will be on your terms, based on what you can afford. You will only pay us moving forward.
With the new debt relief plan underway, you'll make easy, reduced payments to us until you're debt-free!
You should never feel embarrassed about your situation.
Over 3 million Australians struggle with debt each year, so rest assured, you’re not alone.
Just Budget is here to help, not judge, and our service is 100% private and judgement-free. You’re in safe hands and we’re here to support you with care and confidentiality.
Just Budget was founded by financial specialists in 2013 to help tackle the challenges of debt.
We provide personalised debt relief strategies, including Informal Debt Arrangements, as well as budgeting tools, and financial assistance to help you regain control and achieve your goals.
Whether you want to get out of debt or avoid it entirely, our expert team is here to guide you toward a debt-free future.
We’re dedicated to providing a clear pathway to financial freedom.
Our outstanding Trustpilot and Google reviews speak for themselves. Take a look through them and see what our clients have to say.
Just Budget takes the weight off your shoulders by handling your finances for you. We create a budget tailored to you, consolidate and reduce your payments, shield you from creditors, and ensure your debts are paid on time. We act on your behalf, making money management stress-free.
With Just Budget, life becomes simpler and your future brighter.
If you qualify, Just Budget could provide a debt solution within 24 hours, and you could start enjoying the benefits immediately.