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Debt Review Payment Reduction Estimator

The main thing a debt review order does is what section 86(7)(c)(ii)(aa) describes: extending the period of an agreement and reducing the amount of each payment accordingly. This tool shows you what that trade looks like in rands - both the lower instalment and what the longer term costs you.

This is an illustration, not an offer. A real debt review plan is proposed by a debt counsellor, negotiated with your credit providers, and confirmed by a Magistrate's Court. Nobody can tell you your actual instalment before that happens, and anyone who does is guessing.

Your debt today

A rough blended figure across your accounts is fine. Store cards and personal loans are usually much higher than a home loan, so the blend is often higher than people expect.

A re-arranged plan

There is no statutory maximum length for a re-arrangement. What is realistic depends on what you owe and what you can afford, and it is negotiated for you rather than chosen by you.
Leave blank to keep your current rate, which is the conservative assumption. Credit providers sometimes agree to reduce interest as part of a proposal, but a concession is negotiated, never guaranteed. Do not plan around one.

What this tool cannot tell you

  • Your actual instalment. A debt counsellor assesses your affordability under regulation 24(7), proposes a plan, negotiates it with each credit provider, and a Magistrate's Court confirms it. Nobody can quote you a real number before that.
  • Whether any interest concession will be agreed. Section 86(7)(c)(ii) lists what a court may order - extending the term, postponing payment dates, or recalculating obligations after contraventions of the Act. Reduced interest is something credit providers may agree to in a proposal, not something you can count on.
  • The fees. The restructuring fee is the lesser of your first re-arranged instalment or the guideline cap, and there is a monthly aftercare fee and a PDA fee on top. See the cost guide for how they stack up.
  • Whether you qualify at all. That is a section 79 determination and only a debt counsellor or a court makes it.

Wondering what your real instalment would look like?

Only a debt counsellor can propose an actual plan, and your credit providers and a court have to agree to it. Tell us your situation and we will help you understand what to expect.

OurPower is not a debt counsellor and is not registered with the National Credit Regulator. We cannot assess whether you are over-indebted - only an NCR-registered debt counsellor or a court can do that. We charge nothing, we take no referral fees, and we do not recommend specific firms.

We do not sell or share your email. It is used only so we can reply. Please do not send ID numbers, account numbers or bank details.

You do not need us to get help. The NCR call centre is 0860 627 627, and the public register of registered debt counsellors is at ncr.org.za.

Related

The regulator

National Credit Regulator
Call centre: 0860 627 627 - Reception: 011 554 2700
Enquiries: info@ncr.org.za - Complaints: complaints@ncr.org.za
Register of registered debt counsellors: ncr.org.za

OurPower is not a debt counsellor and is not registered with the National Credit Regulator. This page is general information about South African debt review law, not financial, legal or debt counselling advice. Debt review is not the right answer for everyone. Only an NCR-registered debt counsellor or a court can determine whether you are over-indebted. Legislation verified 2026-08-15. Sources: National Credit Act 34 of 2005 and the National Credit Regulations.

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