Online Debt assessment | Clear Debt assessment



	Nett Salary (after PAYE, Medical Aid, Pension or Provident Fund)	R
	Nett Salary (Spouse)	R
	Other Income (rent received, etc.)	R

	Rent	R
	Water and Lights	R
	Rates and Taxes	R
	Groceries	R
	Petrol	R
	Telephone	R
	Maintenance	R
	School Fees	R
	Medical Aid/ Doctor / Medicine (if not already deducted from salary)	R
	Clothing	R
	Entertainment	R
	DSTV/M-Net	R
	Domestic Worker	R
	Other	R



	Total monthly mortage bond instalments	R
	Total monthly car and other vehicle instalments	R
	Total monthly credit card instalments	R
	Total monthly garage card instalments	R
	Total monthly overdraft instalments	R
	Total monthly personal loan instalments	R
	Total monthly store card instalments	R

	Nett Income	R
	Monthly Living Expenses	R
	Monthly Payments to Creditors	R

*The results of the debt test is based on how you completed the fields of the calculator. In order for us to accurately calculate your financial situation, it is advisable to contact us.


	Well done! You are managing your money matters well. You fall amongst the 51% of South African credit active consumers in good standing.
	Living Expenses as a percentage of Nett Income	%
	Credit instalments as a percentage of Nett Income	%

	Total expenditure as a percentage of Nett Income	%

	Percentage Over-Indebted	%


	You are not over-indebted, but you are cutting it close. Check your budget and cut back on luxuries. Do not incur any further debt. Any unforeseen expenses may cause you to become over – indebted. If you do become over – indebted, contact us sooner rather than later so that we can restructure your debt.
	Living Expenses as a percentage of Nett Income	%
	Credit instalments as a percentage of Nett Income	%

	Total expenditure as a percentage of Nett Income	%

	Percentage Over-Indebted	%


	You are over – indebted. We can protect you against your creditors and restructure your debt in a way that you can repay your debt in an affordable manner, whilst still having enough money left for your monthly expenses. Contact us as soon as possible in order to prevent your creditors from taking legal action against you.
	Living Expenses as a percentage of Nett Income	%
	Credit instalments as a percentage of Nett Income	%

	Total expenditure as a percentage of Nett Income	%

	Percentage Over-Indebted	%