What this calculator does

Checks your affordability position under the National Credit Act. The NCA requires credit providers to assess whether you can afford a new credit obligation before approving it. This calculator applies the same 30% debt-to-income threshold that SA banks use as a starting point.

How to interpret your results

A green result means your debt commitments are within NCA guidelines. An amber result means you are close to the limit — approval is possible but not guaranteed. A red result means you are likely over-indebted under NCA criteria and a bank is unlikely to approve new credit.

Assumptions applied

• The 30% debt-to-income threshold is used as the primary NCA benchmark. Some lenders apply stricter thresholds depending on income level.
• Gross monthly income is used as the base. Some lenders use net income.
• All existing debt obligations entered are assumed to be current and accurate.

What this calculator doesn't account for

• 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.