Budget & Debt Calculator
Answer four short sets of questions. Your results appear straight away — no contact details needed. This gives you a budget summary, not a formal debt review proposal.
Use amounts after tax — what actually lands in your account.
Maintenance, rental or side income. Leave blank if none.
Enter essential monthly costs only. If something is already a loan or credit repayment, don’t add it here — you’ll enter it under “Debts” on the next step, so nothing gets counted twice. Categories that don’t apply to you can stay blank.
Not your bond repayment — that goes under Debts.
Fuel, public transport or e-hailing — not a vehicle finance instalment.
Not credit life cover linked to a specific loan.
Enter the current MONTHLY repayment for each type of debt — not the total balance you still owe. Leave a category blank if it doesn’t apply.
Student loans, garnishee/emolument orders, or any other credit agreement.
You can request a callback with no obligation. We won’t see the numbers you entered above — only what you choose to share in the form.
