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
joshua mccarthy profile picture
joshua mccarthy
8 October 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
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!
Google
Bijoy profile picture
Bijoy
2 October 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Abigail had been fantastic and is helping me with my debt
Google
miki filipovic profile picture
miki filipovic
1 October 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very helpful, all information given that actually makes sense, would recommend to everyone
Google
Alexander Bellotti profile picture
Alexander Bellotti
30 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
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 💯
Google
Ashton Casey profile picture
Ashton Casey
30 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Exceptional customer service representatives, Very informative and thorough understanding of real life situations. Both Pat and Abigail where a dream to work with.
Google
Devika Padmakumar profile picture
Devika Padmakumar
26 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Pat was very patient and helpful throughout. Clarified all my doubts and gave me suitable option.
Google
Camilla Mapula profile picture
Camilla Mapula
24 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
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.
Google
Brett HB profile picture
Brett HB
22 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google
Caitlin profile picture
Caitlin
22 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Pat was really helpful, he answered every question I had to ask. Overall very happy with his service
Google
Turongo Neha profile picture
Turongo Neha
18 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google
Tash Maree profile picture
Tash Maree
17 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google
Hassan Ismail profile picture
Hassan Ismail
17 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
“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 🙏🙏
Google
Singapura Academy profile picture
Singapura Academy
17 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Great helpful officers and advisers!
Google
Chantelle dierickx profile picture
Chantelle dierickx
16 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google
Savuth Tak profile picture
Savuth Tak
16 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Pat was great. He reolve all my issues and made it easy. Recommended
Google
Jessica Danckert profile picture
Jessica Danckert
15 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
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!
Google
josef hanson profile picture
josef hanson
15 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google
Steven Parr profile picture
Steven Parr
15 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
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..
Google
Ana Veloutsos profile picture
Ana Veloutsos
15 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Pat and Alana from Just Budget are very professional and helped me out which i am very happy and much relief
Google
Bradley Redman profile picture
Bradley Redman
14 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Keanue was great made the whole process easy and explained everything

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.