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UnderstandTell us about your budget
Complete the calculator or speak privately with our team about your income, living costs and credit repayments.
Start with my figures →
Your fresh financial start
Take back control of your monthly budget.
When repayments feel impossible, you do not have to face them alone. Get a confidential assessment and a practical way forward.
✓ Private & confidential✓ No-obligation assessment✓ Human support
One simple first stepSee where your budget stands in minutes.
Onemanageable plan
Clearmonthly overview
Personalsupport throughout
Confidentialassessment
Talk to a real person
Let us help you take the next step.
Not ready for the calculator? Leave your details and our team will contact you privately using your preferred method.
Call or WhatsApp067 015 1521
How debt counselling works
A structured route from pressure to progress
We help you understand your position, explore an affordable repayment approach, and take the next step with confidence.
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ExploreReview your options
We assess affordability and explain suitable options in plain language, with no judgement and no confusing jargon.
Talk to our team →03
Move forwardStart your way forward
If debt counselling is right for you, we guide you through the process and help you work toward sustainable repayments.
Take the next step →Why ask for help?
Make space to breathe again
Debt stress reaches far beyond the bank balance. A realistic plan can give your household more certainty.
- A budget built around essential living costsSee what is available after the basics are covered.
- A single, clearer view of your repaymentsUnderstand the full picture without jumping between accounts.
- Support without shame or pressureReal people who listen before recommending a next step.
Free online check
Could your debt be putting your budget under pressure?
Use our calculator for an instant estimate, then choose whether you would like a consultant to contact you.
Start the calculatorCommon questions
Start with the facts
Every situation is different. Your initial assessment is designed to help you understand what may be possible.
What is debt counselling?
Debt counselling is a formal South African process intended to help over-indebted consumers restructure repayments while maintaining reasonable living expenses.
Does the calculator give financial advice?
No. It provides an estimate based on the amounts you enter. A full assessment is needed before any recommendation can be made.
Is my information kept private?
Your details are used to respond to your enquiry and assess your request. The site also asks for explicit consent before submission.
You can start today
Get my free assessment