Free Debt Calculator South Africa
Calculate your total debt, monthly expenses, and debt-to-income ratio with our free interactive calculator. Get instant clarity on your finances and find out if debt counselling can help you.
Select the calculator that best suits your needs
Track your income, expenses, and debts - Choose between in-depth or quick check
- ✓ In-Depth or Quick analysis
- ✓ Complete financial overview
- ✓ Personalized recommendations
- ✓ Visual financial insights
See how interest rates affect your debt repayments over time
- ✓ Calculate interest on loans
- ✓ Compare different interest rates
- ✓ See total repayment amounts
- ✓ Understand cost of borrowing
See how much you could potentially save through debt counselling
- ✓ Potential monthly savings
- ✓ Reduced debt payments
- ✓ Counselling benefit analysis
- ✓ Compare before & after scenarios
How Our Debt Calculator Works
Our free debt calculator helps South Africans understand their financial situation by calculating your total monthly debt obligations, living expenses, and debt-to-income ratio. Simply enter your income, debts, and expenses to get an instant assessment of your financial health.
What You Can Calculate:
- Total monthly debt repayments (home loans, vehicle finance, credit cards, personal loans)
- Monthly living expenses across all categories
- Debt-to-income ratio percentage
- Amount of money left after expenses
- Financial stress assessment score
- Debt counselling eligibility indicator
Why Use a Debt Calculator?
Understanding your debt-to-income ratio is crucial for financial health. If you're spending more than 40% of your income on debt repayments, you may be over-indebted and could benefit from professional debt counselling services. Our calculator helps you identify this quickly and provides guidance on next steps.