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.
Why Zero Debt?
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 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 National Credit Act & NCR registered.
All personal information supplied to Zero Debt or collected by Zero Debt is kept strictly confidential.
Zero Debt takes all reasonable steps to protect your personal information, including, where appropriate, the use of encryption technology.
Access to your personal information held by Zero Debt may also be requested by third parties. The Promotion of Access to Information Act, 2000 (‘PAIA’) regulates and sets out the procedure for such a request and under which circumstances such access may be refused.