Disposable Income Calculator

A sudden drop in household income caused by a job loss or reduction in hours at work can create financial difficulties for anyone.

Likewise, any increase in your household outgoings such as your mortgage payments or utility bills can soon make your debts unmanageable.

The starting point for any debt solution is to work out your disposable income (your total household income minus your living costs). If the total of your credit repayments is greater than your disposable income, we can help by making your credit payments fit within your budget.

To work out your disposable income please complete the budget calculator below. It may be useful to check through your bank statement whilst doing this.

Your Income

Type Amount (£) Frequency Monthly Total
Total Income:

Your Expenses

Type Amount (£) Frequency Monthly Total
Total Expenses:

Your disposable income is


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Creditors must allow for affordable repayment proposals from an appointed third party acting on your behalf. Contact us today to see which debt solution is most suitable for you.

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