Credit tools
Plan with Clarity
Practical tools to help you understand your position before you speak to us. Everything updates live as you type, and nothing you enter is stored or sent.
Live dashboard
Interactive Credit Health Dashboard
See how your debt-to-income, credit utilisation, payment history and cash flow combine into one health indicator.
Your Credit
Health Dashboard
Live · updates as you typeYour figures
75
Strong
Payments on time
10/12
Credit utilisation
67%
Debt-to-income
36%
Left over
R 5 000
Credit factors
- Debt-to-income68
- Payment history70
- Credit utilisation49
- Adverse listings100
- Monthly cash flow100
Payment timeline
Last 12 months · illustrativeAn educational indicator — not a credit bureau score. Nothing you enter is stored or sent.
Scenario simulator
Financial Recovery Scenario Simulator
Compare how long it could take to become debt-free if you carry on, pay extra, or reach a mediation arrangement.
Carry on as you are
R 6 000 / month at 22%
Debt-free in 2 yr 10 mo · interest paid R 52 496
Pay R 1 000 extra each month
R 7 000 / month at 22%
Debt-free in 2 yr 4 mo · interest paid R 42 281
Mediation — 60% of instalment
R 3 600 / month at 10%
Debt-free in 4 yr 4 mo · interest paid R 35 026
Mediation — 50% of instalment
R 3 000 / month at 10%
Debt-free in 5 yr 5 mo · interest paid R 44 847
Illustrative scenarios only. Mediation outcomes depend on creditor agreement and are never guaranteed; the reduced rate is your own assumption.
Debt mediation
Affordability Calculator
Enter your take-home salary, essential expenses and current debt instalments. We show what your instalments could look like if mediation reduces them to 50%–60% of the original amount.
Rent, food, transport, school fees, utilities.
Your estimate
Enter your salary and at least one instalment to see your estimate.
Illustrative estimate only. Any reduction depends on your circumstances and on each creditor agreeing; no specific reduction is guaranteed. The calculator itself stores and sends nothing.
Service finder
Which Service Suits Me?
Choose the statement closest to your situation for a suggested starting point.
What concerns you most right now?
Explainer
Debt Review, Step by Step
A general overview of the process under the National Credit Act. Individual cases differ.
- 01
Assessment
A registered debt counsellor reviews your income, expenses and debts to establish whether you are over-indebted.
- 02
Notifying creditors
Creditors and credit bureaux are notified that you have applied for debt review, and a flag is placed on your profile.
- 03
Restructuring proposal
A proposal with reduced instalments and longer terms is sent to your creditors for consideration.
- 04
Court or Tribunal order
The arrangement may be made an order of court or the National Consumer Tribunal.
- 05
Monthly payments
You make one monthly payment that is distributed to creditors through a payment distribution agency.
- 06
Clearance
Once qualifying debts are settled, a clearance certificate may be issued and the flag lifted under the applicable rules.
Ready to take the next step towards financial freedom?
Speak to our team about your credit profile and discover the solutions that may be available to you.