What this calculator does

Checks how your existing debt compares to a 30% debt-to-income threshold, the starting point most SA banks use before approving new credit. This calculator applies that same 30% threshold to estimate your position.

How to interpret your results

A green result means your debt commitments are within the 30% debt-to-income level most SA banks lend against. An amber result means you are close to that level — approval is possible but not guaranteed. A red result means your repayments are above the level most SA banks lend against, and a bank is unlikely to approve new credit at your current debt level.

Assumptions applied

• The 30% debt-to-income threshold is used as the primary benchmark, reflecting common SA bank practice. Some lenders apply stricter thresholds depending on income level.
• Net monthly income (take-home pay) is used as the base for this calculation. Gross income is optional and only used to pre-fill other calculators — it does not affect your affordability result here.
• All existing debt obligations entered are assumed to be current and accurate.

What this calculator doesn't account for

• This is a simplified estimate, not a formal National Credit Act affordability assessment. A registered credit provider's actual assessment under Regulation 23A will differ — it accounts for statutory deductions, minimum living expense norms by income bracket, and your credit bureau record, none of which this calculator uses.
• Does not account for your credit score, which can disqualify an application even if your income ratios are acceptable.
• Does not model bank-specific affordability criteria, which vary between lenders.
• Living expenses beyond declared debt are not factored in unless you enter them.
• This is not a credit assessment and does not guarantee approval.