Free Debt Calculator

Call us today on: 087 701 9665

In order to determine which debt solutions you qualify for, we need to determine what your current debt status is.
In order to do this calculation, we need to know what your total income, total salary deductions, total expenses and total debt repayments are.
Our free debt calculator enables you to enter this information in separate steps and the calculation then determines what your monthly surplus or shortfall is. This amount indicates whether your debt status is that you are over-indebted or not which then determines which debt solutions you qualify for.
It is important that you enter all the required amounts as accurately as possible. There is no point in attempting to create a result which is not in agreement with your current circumstances because all amounts will ultimately need to be verified.

Total Income

Less: Monthly Deductions

Net Remuneration

Less: Total Living expenses

Available for Servicing Debt

Less: Total Debt Repayments

Total Monthly Surplus / (Shortfall)

Gross Monthly Salary

Total Allowances

Total Subsidies

Commission (Monthly Equivalent)

Other Income

Zero Debt is one of the leading debt solution companies in South Africa!
We protect your assets from repossession by credit providers.
We consolidate all your debt repayments and you pay a lot less every month.
You determine what you can afford & retain sufficient funds for your living expenses.

We’ll also reduce all your current interest rates!
Free no-obligation debt assessments by our experienced consultants.
We can help you even if you are over-indebted, blacklisted or have a bad credit record.
We are fully compliant with the National Credit Act and we are registered at the NCR.

Zero Debt is one of the leading debt solution companies in South Africa!
We protect your assets from repossession by credit providers.
We consolidate all your debt repayments and you pay a lot less every month.
You determine what you can afford & retain sufficient funds for your living expenses.

We’ll also reduce all your current interest rates!
Free no-obligation debt assessments by our experienced consultants.
We can help you even if you are over-indebted, blacklisted or have a bad credit record.
We are fully compliant with the National Credit Act and we are registered at the NCR.