See whether your repayments actually fit your income.

Four numbers, a debt-pressure estimate built from your income, living costs and current commitments, and a straight answer. Nothing is sent anywhere — this runs in your browser.

Your month

Take-home pay

What lands in your account

Gross salary

Before deductions — sets your Table 1 band

Living costs

Rent, food, transport, school, electricity

Debt repayments

Every instalment, every month

Nothing you type is transmitted or stored. Move a slider and the answer recalculates on this device.

Your repayments fit — for now

R1 500

left over each month once living costs and repayments are paid. That is your whole buffer against one bad month.

Worth keeping an eye on. If that buffer disappears, talk to someone before you borrow to cover it.

How that was worked out

Take-home pay: R18 000
Living costs usedyour figure — above the R2 585 regulated minimum: R9 000
Left for debt: R9 000
Your repayments42% of take-home: R7 500
Remaining: R1 500

The living-cost floor used here is Table 1 of Regulation 23A(9), GN R202 in GG 38557, 13 March 2015 — the norms a credit provider applies when assessing affordability for new credit. It is used as a sanity check, not as the debt review test: a debt counsellor assesses over-indebtedness under Regulation 24(7), working from your real expenses. This is an estimate for your own orientation, not a quote, an application or an affordability assessment. Your actual restructured repayment is calculated from your credit agreements by a registered debt counsellor.

What this tool will not do

It will not print a new monthly repayment. You will find calculators that do, and the number they give you is arithmetic on a marketing assumption — a fixed percentage of your unsecured debt and another of your secured debt.

Your real restructured instalment depends on your actual agreements, their interest rates, and what each credit provider accepts. Those cannot be guessed from four sliders, and a figure that looks like a quote but is not one is precisely what the NCR has warned this industry about.

So this page gives you the half that can be calculated honestly: the gap between what you have and what you owe each month.

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Questions about the calculator

Why won't it tell me my new repayment?

Because nobody can calculate that from four numbers. Your restructured instalment depends on your actual credit agreements, their interest rates and how each credit provider responds to the proposal. A figure produced without those is a guess dressed up as a quote.

Where do the minimum living costs come from?

They are Table 1 of Regulation 23A(9), GN R202 in GG 38557, 13 March 2015 — the minimum expense norms a credit provider applies when assessing affordability for new credit. This tool uses them as a sanity check on what you typed. A debt counsellor assessing over-indebtedness works under Regulation 24(7) from your real expenses, so if what you typed is higher than the floor, your own figure is used.

Gross or take-home?

Enter take-home — what actually lands in your account. If you also know your gross, add it: the regulation's table is indexed on gross, and supplying it places you in the correct band.

Is anything saved?

No. This calculator runs entirely in your browser. Nothing you type here is sent anywhere or stored.