About Just Budget

Your trusted debt solutions expert

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.

About Just Budget

Who is Just Budget?

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 solve debt problems

Our Results

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:

Average Monthly Savings
$3,169.00
Average monthly debt payment reduction in 2025
Average Reduction
72%
Average monthly payment reduction % in 2025
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%
Client Overview
Troy 95.8% Red.

Before Budget

$4,647.22

New Payment

$194.00

Monthly Savings

$4,453.22

Sally 94.5% Red.

Before Budget

$3,521.49

New Payment

$194.00

Monthly Savings

$3,327.49

Marcus 93.5% Red.

Before Budget

$5,723.78

New Payment

$374.00

Monthly Savings

$5,349.78

Rebecca 92.9% Red.

Before Budget

$5,536.16

New Payment

$394.00

Monthly Savings

$5,142.16

Andy 77.5% Red.

Before Budget

$1,931.73

New Payment

$434.00

Monthly Savings

$1,497.73

Michelle 78.3% Red.

Before Budget

$1,816.05

New Payment

$394.00

Monthly Savings

$1,422.05

Daniel 66.1% Red.

Before Budget

$1,075.59

New Payment

$365.00

Monthly Savings

$710.59

Karen 62.4% Red.

Before Budget

$782.62

New Payment

$294.00

Monthly Savings

$488.62

Steve 45.5% Red.

Before Budget

$2,190.37

New Payment

$1,194.00

Monthly Savings

$996.37

Nicole 44.4% Red.

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.

Why trust Just Budget?

Only pay what you can afford

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

Protection from creditors icon

We're here to protect you

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.

Over 30 years of expertise

As a debt support leader, you can trust us to provide the best results possible.

Caring, transparent support

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.

Caring, transparent support
Relax again With Your Debt Under Control

Relax again With Your Debt Under Control

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.

Watch how our solutions work

Just Budget has the tools to help you become debt-free. Find out how our debt solutions work:

Check out what our clients say

Google
sidkrufkdmd young profile picture
sidkrufkdmd young
9 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent people to deal with
Google
David Jeffreys profile picture
David Jeffreys
9 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Keanue Vanderheide is extremely patient, understanding and helpful. Highly recommend his Services!
Google
Kathryn Bastian profile picture
Kathryn Bastian
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Helpful and a quick and easy process
Google
Spongebob profile picture
Spongebob
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Pat and Alana were amazing
Google
Neville Donaldson profile picture
Neville Donaldson
4 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Hello l would really like to thank keanue and Russell for there help with my debts l have been really depressed lately feeling like l am working for nothing and relying on my partner for so long who has really helped me through this so l would like to thank everyone from the bottom of my heart 👍
Google
Frank Motton profile picture
Frank Motton
28 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Pat Neupane Was very professional and very helpful.
Google
Erwan Kristiawan profile picture
Erwan Kristiawan
27 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Pat is really amazing and really helpful
Google
Craig Swarbrick profile picture
Craig Swarbrick
26 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Pat was extremely helpful I'd advise anyone talking to pay about debt solutions 5 star advice
Google
ezenwa ijeh profile picture
ezenwa ijeh
25 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Betsy guide and explained the process clearly without any confusion.. really appreciate it
Google
Francine Everett profile picture
Francine Everett
21 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very very helpful
Google
James profile picture
James
20 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
I’m very happy with the service and support I received from Just Budget. The team was helpful, professional and understanding throughout the whole process. They made the debt arrangement process much easier for me and helped me get all my debts paid and finally become debt free. I really appreciate all the help, communication and support from the team. Thank you to everyone at Just Budget for helping me through this process and giving me a fresh start. I would definitely recommend their service to anyone who needs help managing their debts.
Google
Casey Gibson profile picture
Casey Gibson
20 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Pat was absolutely amazing in helping with my debt consolidation. He thoroughly explained everything in detail and made sure not to miss any important information. He happily answered any questions I had and was very understanding.
Google
Scott profile picture
Scott
17 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Knew what she was doing and very helpful
Google
jamie broadhead profile picture
jamie broadhead
13 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Helped me when no one couldn't, all condensed loans paid for when agreed. And understanding with a couple of slip ups. Honest nice people
Google
Rick Wilkins profile picture
Rick Wilkins
11 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Talked with Chloe today. The best. I've got myself into a hole financially and she has worked with me for a solution to it. Looking forward to working with The Just Budget team and not getting myself into trouble again 👍👍
Google
Debbie Regan profile picture
Debbie Regan
7 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very helpful , explanation of the process was thorough. No justment at all . Recommend dealing with them
Google
Christopher Dzimbanhete profile picture
Christopher Dzimbanhete
5 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Just had a chat with Abigail this afternoon. I liked her very professional approach to everything, very succinct and onto the point, besides Abi has a very soft sweet voice that quench all the anxiety I had going into the call. Yeah , she gets my stars today. Keep it up Abi, you have been awesome !
Google
Pamela Conway profile picture
Pamela Conway
31 July 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Thank you Just Budget really helpful with my debts
Google
Blain Heihei profile picture
Blain Heihei
31 July 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Pat was absolutely amazing, explained everything in detail, and assisted with application process Would highly recommend Just Budget to anyone needing financial debt relief and the follow on with Russell was just as amazing, outcome from both was above and beyond. Thanks so much 🙂
Google
Amanda Weller profile picture
Amanda Weller
30 July 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Abigail was patient with all my questions. She was thorough & made everything very easy to understand. Professional & without judgement

We Solve Debt Problems in 3 easy steps

An expert will go through your budget with you

1. An expert will go through your budget with you

This helps us understand what you can afford so you can get the best debt solution possible.

We'll negotiate a new plan with your creditors

2. We'll negotiate a new plan with your creditors

This will be on your terms, based on what you can afford. You will only pay us moving forward.

3. You'll be on a clear pathway to becoming debt-free!

With the new debt relief plan underway, you'll make easy, reduced payments to us until you're debt-free!

Common Questions

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.

Get help from Just Budget today

If you qualify, Just Budget could provide a debt solution within 24 hours, and you could start enjoying the benefits immediately.