Debt Review Calculator
Find out in one minute whether your debt repayments still fit your budget, and roughly what debt review could bring your monthly payment down to.
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Quick answer: Subtract your essential living costs from your take-home pay. If what is left is less than your total monthly debt repayments, you may be over-indebted. Debt review restructures your repayments so the total fits what you can actually afford. Use the calculator below for a quick estimate, then get a free assessment for exact numbers.
Check what you can afford
Enter your own numbers. Nothing is stored or sent anywhere.
Rent or bond, groceries, transport, school fees, electricity, water, medical, insurance.
Credit cards, store accounts, personal loans, vehicle finance, overdraft. Leave out your home loan if it is already in living costs.
How to read your result
Short every month? If your repayments are more than what is left after essentials, you are likely to fall further behind each month. That is the point where debt review is designed to help: your credit providers are asked to accept lower instalments and interest so one payment fits your budget.
Using more than half your pay for debt? Even if it still fits, that leaves little room for emergencies. A free assessment can show whether you would be better off restructuring now, before a Section 129 notice arrives.
What debt review costs
Debt counselling fees are capped by law, and your first conversation with us costs nothing.
| Your first assessment | Free, no obligation |
| Application fee | R50, once-off |
| Restructuring fee | Your first restructured instalment, capped at R8,000 (R9,000 for a joint application by spouses married in community of property) |
| Aftercare fee | 5% of your monthly instalment, capped at R450 a month |
Fees are set by the National Credit Regulator and exclude VAT. Payment distribution agency fees and any legal costs are separate, and we explain every amount in writing before you sign anything.
Ready to find out where you stand?
Tell us about your situation. We will assess it for free and explain your options, with no obligation.
Gauteng Debt Counselling · NCR-registered debt counsellor Leandie Brink (NCRDC2414) · Member of DCASA · 463 Protea Street, Strubenkop, Pretoria · Mon to Fri, 08:00 to 16:00 · 087 056 0654 · [email protected]
The free assessment does not bind you to any agreement.