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If you’re under financial pressure, you don’t have to manage it alone. Find services that can help with urgent money needs, explore free support for managing debt, and start putting money aside for unexpected expenses.
Key facts
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~ 1 in 4
Australians borrow from friends or family when they run out of money for day-to-day living costs
Source: ASIC
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1 in 2
Australians couldn't cover their living expenses for 3 months if they lost their main source of income
Source: ASIC
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~ 1 in 5
Australians nominated financial independence as the primary financial goal they want to work towards
Source: ASIC
Taking small steps like managing debt, setting financial goals and building savings can help you gain confidence and improve your financial wellbeing.
What support do you need right now?
Choose the option that best matches your needs
Tools and calculators to help you along the way
Use our tools and calculators to set savings goals, manage your budget and work out how much a loan will cost you.
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Simple money manager
Get an overview of how much money you have coming in and going out.
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Payday loan calculator
See how much a payday loan will really cost you.
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Personal loan calculator
See how much a personal loan will cost you over time.
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Credit card calculator
See how much you can save by paying off your credit card balance.
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Budget planner
Do a detailed budget to see where your money is going and find ways to save.
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Savings goals calculator
Plan to set and reach your savings goals over time.
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Follow Moneysmart for quick tips
Fancy a budget? When everything costs more, knowing where your money goes matters even more.
Milly just got an unexpected bill. Before borrowing money to cover it, she follows her four-step backup plan.
Where do you go for financial information? Hear what Australians have to say about money in this quick video.