Debt Calculator - Calculate Your Debts with Our Free Debt Budgetting Sheet.

Please complete YOUR DETAILS ACCURATELY to ensure that your personal finance statement/debt budget is calculated correctly...

Complete full details below for all of your items of debt/credit to calculate what your current expenses are and understand if you need the professional help of a debt counsellor - Rest assured that your personal information will remain secure and confidential at all times:

USE YOUR TAB KEY TO MOVE THROUGH THE FORM QUICKLY.

Income Details

Enter full details of all of your monthly household income:

	Amount (£)
Monthly Take Home Pay (after tax)
Partner's Monthly Take Home Pay (after tax)
Benefits (Working Tax Credits, Income Support, DLA, etc)
Other Income (e.g. maintenance payments)

Expenses

Enter full details of your monthly household expenditure:

	Amount (£)
Mortgage payment (Auto Complete from secured debt table below)
Secured/HP loans (Auto Complete from secured debt table below)
Rent
Management Charge (e.g. on leasehold property)
Council Tax
Electricity
Gas
Oil
Water Rates
Telephone (land line)
Mobile Phone
TV Licence
Satellite/Cable TV
Internet Services
Groceries etc.
Clothing
Petrol/Diesel
Road Tax (car)
Car Insurance (including breakdown cover)
Car Maintenance (including MOT)
Car Parking
Other Travel
Childcare/Nursery
Other child related expenses
Medical (prescriptions, dentists, opticians etc.)
Pet Insurance/Vet bills
Building Insurance
Contents Insurance
Life Assurance
Other Insurance
Presents (birthday, christmas etc.)
Haircuts
Entertainment
Holiday
Household Emergency Fund (e.g. for repairs)

Mortgage, Secured Debt and Hire Purchase details

Enter details of your monthly secured debt payments: (i.e - any finance that is secured on your home - Mortgage, Home Loans, etc)

Debt description	Current Balance (£)	Monthly payment (£)	Annual Rate (%)
Mortgage
Secured debt
Hire Purchase (HP)

Unsecured Debts

Enter details of your monthly unsecured debt payments: (i.e - credit cards, loans, car finance, mail order catalogues, etc)

Debt description	Current Balance (£)	Monthly/Min Payment (£)	Annual Rate (%)

Your Assets

Enter full details of the value of your assets below:

Asset	Value (i.e - £10,000.00)
Cash
House value (gross)
Shares & bonds
Car(s)
Other assets (e.g. endowments, jewellery)

Additional Information

Optional information, but very useful for anyone reviewing your personal finance statement:

How many adults live in your household
How many children live in your household
Number of cars owned in your household

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Warning Messages (If Applicable)

Here is your Personal Summary of Your Monthly Income, Expenses and Surplus

Total monthly income: £

Total Monthly Expenses (incl. HP & secured debts): £

Total Amount Available for Repaying your Debts: £

Amount Required Per Month To Repay Your Debts: £

Your Current Monthly Surplus (shortfall if negative) £

IMPORTANT:~ If either your Current Monthly Surplus or Amount Available to repay your Debts above show a negative figure (I.E A Shortfall), then you could benefit from a no obligation chat with a debt expert to find out how to deal with your debt problem and get your finances back on track.

Your Personal Financial Statement

Your Total Assets Value: £

Total Secured & HP Debt: £

Your Total Unsecured Debt: £

Current Net Assets/Liabilities: £

IMPORTANT:~ If your Current Net Assets/Liabilities above shows a negative figure (I.E A Liability), then you could benefit from a no obligation chat with a debt expert to find out how to deal with your debt problem and get your finances back on track.

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Important Security Advice

Free Debt Advice 4me never uses "pop-ups" to advertise its service and the web site never requests that you divulge sensitive information about your bank account, or details of your credit or debit cards. If you are ever asked to provide this kind of information then you can be certain that this is not part of the official Free Debt Advice service, and may be an attempt to clone or fraudulently access your personal credit details. If you are ever in any doubt about information requested, please contact us immediately to report any suspicious behaviour or requests to us.

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