Debt Calculator

Our free debt calculator enables you to enter your information and estimates what your monthly surplus or shortfall is. This will indicate whether you are over-indebted or not. Please enter accurate figures.

"*" indicates required fields

Step 1 of 4

Monthly Income

Monthly Net Income*

Your “nett income” is what is paid into your bank account on a monthly basis.

Other Income

This is income from activities other than normal business operations, such as investment interest, foreign exchange gains, rent income etc.

Total Income

Monthly Living Expenses

Please insert a 0 if not applicable

Food, groceries & clothing*

Property Rental*

Insert 0 if not applicable.

Electricity, water, rates & levies*

Fuel and/or transport*

Telephone, internet & TV*

Medical Costs*

Insert 0 if not applicable.

School Fees*

Insert 0 if not applicable.

Other

Total Living Expenses

Monthly Credit Repayments

Please insert a 0 if unapplicable.

Home Loan*

Insert 0 if not applicable.

Vehicle Finance*

Insert 0 if not applicable.

Overdraft*

Insert 0 if not applicable.

Credit Cards*

Insert 0 if not applicable.

Personal Loans*

Insert 0 if not applicable.

Store Accounts*

Insert 0 if not applicable.

Other

Total monthly credit provider repayments

Result

Total Monthly Surplus or Shortfall (-)

* Amounts calculated are for estimation purposes only and terms and conditions apply.

Oops. Your current repayment might be too high

Your debt calculation indicates that you are not able to meet all your monthly debt repayments. You will therefore probably not qualify for a debt consolidation loan. Not with us and not with anyone.

Please fill in your details below if you would like us to help you become debt free through the process of debt review. Don't delay, take action now by submitting your details now.

Full Name*

Phone*

Email*

Preferred Contact Method*

Consent*

By completing and submitting this form, you are providing DebtChamp with the above personal information and acknowledge and accept the terms of DebtChamp’s privacy policy.

Total Monthly Surplus or Shortfall (-)

Well done, you are managing your debt well.

Your debt calculation indicates that you are able to meet all your monthly debt repayments.