Find help
In short
Sometimes you need a real person, not a website. These are free, trustworthy Australian services. Government and not-for-profit services are listed first - they do not sell you anything. In an emergency call 000.
If you are in immediate danger, call 000. If money worries are affecting your mental health, Lifeline is available 24/7 on 13 11 14, and Beyond Blue on 1300 22 4636. You are not alone, and things can get better.
Free money help
National Debt Helpline
Free, confidential, independent financial counsellors. Not a lender. Help with debt, bills and hardship.
Moneysmart (ASIC)
The government\u2019s free, independent money guidance - calculators, guides, and no products for sale.
Services Australia
Centrelink payments, concessions, and the free Financial Information Service (FIS) for retirement and benefit questions.
Australian Taxation Office
Tax, super, HELP debts and myTax. Free help lines and in-person help for those who need it.
Emergency relief and everyday support
No Interest Loans (NILS)
Small no-interest loans for essentials like fridges and car repairs, for people on lower incomes.
Community legal centres
Free legal help, sometimes including simple wills and consumer/debt disputes.
Australian Financial Complaints Authority
Free, independent dispute resolution for problems with banks, insurers and super funds.
Getting paid advice
For complex decisions you may want a licensed financial adviser. Before engaging one:
- Check they are licensed on ASIC\u2019s Financial Advisers Register.
- Ask how they are paid and for the fees in writing, up front.
- Ask whether advice is general or personal (personal advice must consider your situation).
- Your super fund may offer low-cost advice about your super at no extra charge.
No legitimate government service asks for your TFN, passwords or banking logins by text, email or a call you did not start. Ignore \u201cget-rich\u201d offers and pressure to act fast. Report scams to Scamwatch. If you have been scammed, contact your bank immediately and report it - fast action can sometimes recover funds.
Tell us something is missing or wrong
This site is maintained by SupportCALL ICT Solutions. If a figure looks out of date, a link is broken, or something important is missing, please let us know so we can fix it. Corrections are logged on the updates page. Contact details are on the About page.
Sources for this page
Every figure below was checked against the official source shown. Verified 20 July 2026. Figures and rules change - always confirm before acting.
- National Debt Helpline - Free financial counselling. ndh.org.au - 1800 007 007
- ASIC - Moneysmart - Financial Advisers Register. moneysmart.gov.au - check a licence
- Services Australia - Payments and services. servicesaustralia.gov.au - official
- Scamwatch (NASC) - Report and check scams. scamwatch.gov.au - official
Verified 20 July 2026