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Tools · Worked example
What debt review changes, illustrated.
A worked example showing how restructuring moves unsecured and secured debt differently. Every assumption is printed on this page — this is an explanation, not a quote.
This is an illustrative example, not your figures
It applies two fixed ratios to whatever you type, to show the shape of what debt review does. It is not a calculation from your credit agreements, it is not a quote, and it is not a prediction of what any credit provider will accept. A registered debt counsellor produces the real figure from your actual agreements during the free assessment.
Example inputs
Personal loans, credit cards, store and clothing accounts
Vehicle finance and your bond
Nothing you type is transmitted or stored. This calculator runs entirely in your browser — move a slider and the answer recalculates on this device.
In this example
- Instalments now
- R7 500
- Restructured, in this example
- R4 275
- Difference in the example
- R3 225
A 43% reduction in this example. Your own figures will differ, and may differ substantially.
The assumptions used above
- Unsecured instalments shown at 45% of current
- Secured instalments shown at 75% of current
These two ratios are illustrative averages. They are not set by the National Credit Act, the National Credit Regulator, or any regulation, and they are not derived from your agreements. Unsecured debt restructures further than secured debt because secured agreements are tied to an asset — that difference is the thing this example exists to show.
Want the real number?
Only a registered debt counsellor can produce it, from your actual credit agreements. The assessment is free and commits you to nothing.
Start a free assessmentQuestions about this calculator
Is this what I would actually pay?
No. It is a worked example built on fixed illustrative ratios, not a calculation from your credit agreements. Your real restructured instalment depends on which agreements you hold, their interest rates, and what each credit provider accepts — none of which a web page can know.
Then what is it for?
To show the shape of what debt review does: unsecured debt restructures further than secured debt, which is why the two move differently in the example. It is an explanation with numbers attached, not a quote.
Where do the ratios come from?
They are illustrative averages long used on the DS4U site. They are not set by the National Credit Act, by the NCR, or by any regulation, and we say so rather than implying a legal basis that does not exist.
How do I get a real figure?
A registered debt counsellor calculates it from your actual agreements during the free assessment. That is the only way anybody can produce one honestly, including every other calculator that shows you a saving.
What is the DCRS?
The Debt Counselling Rules System — an industry framework many credit providers use to assess restructuring proposals in debt review. A counsellor's proposal is often measured against it. It is one of the reasons a real restructured instalment cannot be predicted from a web form: the outcome depends on rules applied to your specific agreements.
Other DS4U tools
All free, all run in your browser, none of them ask for an email.
Want the real number?
A calculator works from what you type. A registered debt counsellor works from your actual credit agreements. The assessment is free and commits you to nothing.
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