Affordability calculator
See leftover money after deductions, existing debt, and essentials, then compare a proposed new repayment.
Your monthly figures
Empty deduction and essential lines count as R0.
If pay varies or includes commission, enter a 3 to 6 month monthly average.
Home loan, vehicle, credit cards, personal loans, store accounts. One total.
Results
Enter your figures, then press Calculate.
These figures are estimates and guidelines. They are not a formal National Credit Act affordability assessment, not a credit decision, and not financial, legal, or debt-review advice. Speak to an NCR-registered counsellor before you make decisions.
How the estimate works
The formula
Net is gross minus deductions. Leftover before is net minus existing debt and essentials. Leftover after subtracts the proposed new repayment.
Traffic light
Comfortable, tight, or not recommended. The worse of leftover after the new repayment, and total debt including the new repayment as a share of net.
What this is not
This is not a formal NCA affordability assessment and not a yes or no from a credit provider.
Common questions
Is this a formal NCA affordability assessment?
No. The figures are estimates and guidelines. They are not National Credit Act disclosures and not a recommendation to take on or refuse credit.
What if I already have no leftover money?
That is a result, not an error. The light is not recommended. Treat it as a budget review, not a case for new credit.
Should I use a typical month if my pay varies?
Yes. If income includes commission or varies, enter a 3 to 6 month monthly average. The calculator does not average for you.
Continue with a useful next step
- Build a household budget
Use your income and actual spending to plan a manageable month.
- Who qualifies for debt review?
Learn what a registered counsellor needs to assess.
- Prepare for an assessment
Use the free checklist to collect your questions and documents.
- Choose another money tool
Find a calculator for interest, spending, savings or repayment planning.