Debt Review calculator

  • Use our FREE Debt Review calculator below
  • Find out if you are legally over-indebted
  • Submit your details to us & we will be in touch

Get started!

Answer the following questions to work out if you are over-indebted. If at the end of the calculation your are in a negative cash flow situation (Example -R2 000), you might well be a candidate for Debt Review.

Then use the contact form at the end of the calculator to submit your information to us via email. We will call you back to confirm the information in your calculation is correct, and take you through the next steps of entering into the Debt Review process.

Before you start answering the questions, please note the following:

  • You can only input values like 20000 or 2500, you don't need to add R. The calculator cannot accept any words like Yes or No.
  • Once you have inputted a value, please use the tab button on your computer to navigate to the next input field. If you hit enter the calculator will automatically close down.
  • This free calculator is a free tool provided to you by SA Debt Advisors simply as a guide to work out if you might qualify for Debt Review. In no way does this constitute an official Debt Review application.

Debt Review Calculator

Income Questions

Please note that we have automatically calculated UIF as 1% of your salary = R
Please note the calculation only allows us to carry forward 65% of your monthly rental income. Enter the full amount. We will do the calculation.
Please note the calculation only allows us to carry forward 75% of your average overtime. Enter the full amount. We will do the calculation.

Monthly Expenses Questions

Result

Thanks for taking the time to use our calculator. If you are in a positive monthly cashflow scenario (+) then you aren't a candidate for Debt Review. We would urge you to relook at your budget and find ways to cut down on some of your living expenses. If you are in a minus cashflow scenario (-) then we would encourage you to use our contact form below to submit this calculation to us so we can get in touch with you. We will then take the time confirm the information with you and take you through the steps involved in the Debt Review process. The decision is then up to you whether you would like to proceed or not. Please note that your information will be treated as strictly confidential.