The calculator uses your income, living expenses, debt repayments, and total outstanding debt to estimate your debt-to-income ratio and potential savings under debt review. It provides an indication of whether you may be over-indebted and how much your repayments could be reduced.

The results are estimates based on the information you provide. Actual debt review savings depend on your specific creditors, interest rates, and the negotiation process. A registered debt counsellor will conduct a thorough assessment to provide accurate figures for your situation.

According to the National Credit Act, you are considered over-indebted if, after paying all your monthly debt obligations, you do not have enough money left to cover your basic living expenses. A debt-to-income ratio above 50% is a strong indicator of over-indebtedness.

Debt review can reduce your monthly repayments by up to 50% by negotiating lower interest rates with your creditors and extending repayment terms. The exact reduction depends on your specific debts, creditors, and financial circumstances.

The calculator gives you an estimate of your situation. For an accurate assessment, you can start a free WhatsApp assessment with DS4U or submit your details for a debt counsellor to contact you. The assessment is free, confidential, and comes with no obligation.