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Downloadables product guide

# Downloadables Free templates, guides, and resources you can download and use today. No sign-up wall, no credit card, no fine print. If you decide you'd rather have someone else run your plan for y...

Downloadables

Free templates, guides, and resources you can download and use today. No sign-up wall, no credit card, no fine print.

If you decide you'd rather have someone else run your plan for you, the free, obligation-free appointment is always the next step.

Budget templates and spreadsheets

Ready-to-use budget templates so you don't have to build one from scratch.

  • Personal Budget Template (Excel) — the classic. Track income, expenses, bills, savings, and everyday spending. Customisable to your situation.
  • Home Budget Template — designed for household finances with room for two incomes, family expenses, and shared savings goals.
  • Monthly Budget Spreadsheet — pre-formatted for one calendar month at a time. Good starting point if you're new to budgeting.
  • Fortnightly Budget Template — because most Australian pay cycles are fortnightly, and monthly templates always leave you a bit off-rhythm.

Access all budget templates at the MyBudget Money Tools Hub.

Worksheets and checklists

Print them out, fill them in, tape them to the fridge if that helps.

  • Debt Snowball Worksheet — list your debts, order them by strategy, track progress as you clear them
  • Emergency Fund Checklist — the step-by-step version of building your first meaningful savings buffer
  • First Appointment Checklist — what to bring, what to think about, and what to ask, whether you're coming to MyBudget or another provider
  • Bill Priority Worksheet — when everything is due and you can't pay it all, how to decide what pays first (spoiler: it's not always the loudest creditor)

Downloadable guides and eBooks

Longer-form reads for when you want to dig in properly.

  • Personal Budgeting 101 — the beginner's guide to actually making a budget stick
  • How to Get Out of Debt — three real strategies and how to choose between them
  • Meal Planning on a Budget — one of the highest-impact everyday savings you can make with almost no effort
  • How to Save for a Home Deposit — a realistic timeline and the levers that speed it up
  • Understanding Your Credit File — what's on it, who sees it, and how to improve it

Calculators (interactive)

Calculators aren't downloads, but they're free tools you can use in the browser as often as you like:

Podcast: MyMoney MyStory

Real Australians, real financial stories. Available on every major streaming platform. Recent episodes feature MyBudget clients like:

  • Michelle and Phil — how they paid off $40,000 in debt and saved their marriage. See their story.
  • Kylie and Scott — Episode 9, "Getting back on your feet financially," covering 18 years of MyBudget through crisis and recovery. See their story.

MyBudget MoneyHub

Beyond templates and downloads, the MyBudget MoneyHub hosts hundreds of articles on:

  • Budgeting strategies for different life stages
  • Debt reduction tactics
  • Savings and investment planning
  • Understanding financial products
  • Real client stories and outcomes
  • Video content and podcast episodes

Everything is free to read.

The honest bit

Templates and calculators are useful — you should use them. But they have the same limitation every DIY tool has: they need you to keep running them.

If you've downloaded budgeting templates before and abandoned them, that's not a personal failing. It's a design failing of the tool. Templates don't:

  • Move money before you can spend it
  • Negotiate with your creditors
  • Call you when the plan needs adjusting
  • Keep the plan running when life gets busy

That is what a MyBudget Money Coach and the MyBudget platform do together. If the templates keep failing, that's the signal to have a free conversation.

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