Debt Calculator

This tool allows you to add-up your monthly outgoings, including debt repayments. If there a shortfall between what you can afford and when you're being asked to pay, we can help.

The "guide" figures are what creditors will accept as reasonable expenses when proposing a debt management or IVA.

Other factors and expenses can come into play than those mentioned here as no two personal circumstances are identical.

Please call Freephone 0800 043 2444 for professional advice specific to your personal situation.

Incomings per month

Your take home pay (inc. regular overtime)
Partner's take home pay (inc. regular overtime)
Other regular income 1
2
3
4
Total Income

Household Outgoings per month

Mortgage/Rent Can't exceed 40% of total household income. If applicable, include board & lodging contributions here.
Secured Loan
Contents Insurance
Building Insurance
Life Policy
Council Tax Note: Payments are normally over 10 months Enter yearly bill/12 months.
Water Rates
Electricity
Gas
Misc. Household Maintenance/Contingency Guide: £50 max

Personal Outgoings per month

Supermarket Household Spend Guide: £150 for the first person and £100 for every additional person in the household.
Home Phone
Mobile Phone Telephone + Mobile £50/month max.
Sky/Digital TV Guide: basic package (£25) max
Internet Guide:(£20)
Clothing Guide: £10 per person + £10 max
Pets Guide: £35 max
TV Licence Currently £131.50/year
CSA or Child maintenance Guide: 25% of income Max
Public Transport
Childcare eg Child minder/Nursery
Medical
Optical and Dental Guide: £50 max
Private Pension
Other 1
2
3
4

Motoring Expenses per month

Fuel
Servicing
Insurance
Road Tax
Hire Purchase

Total Expenditure per month

How many different debts have you got?

For help see - debts we can help with

Total Debts

Total Monthly Payment

Your Monthly Disposable Income: This is how much you have left from your wages and expenses to pay towards your debts.	£0.00
Your Current Monthly Debt Repayment. This how much your are being asked to pay each month toward your debts.	£0.00
Total Debts	£0.00

If your disposable income is less that your monthly debt repayments, call us for immediate help - We will get your payments reduced.

We'll phone you back to discuss how best we can help you.

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“You saved me from bankruptcy. The process was so smooth and easy, just one monthly payment and all of my debts are handled. Thanks for all your help.”
L S, London
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Debt Calculator

Incomings per month

Household Outgoings per month

Personal Outgoings per month

Motoring Expenses per month

Call us FREE on 0800 043 2444 for Confidential Advice

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