---
title: "Tools"
url: https://vsdebtcounseling.co.za/tools/
date: 2026-04-15
modified: 2026-04-15
author: "admin"
type: page
lang: en
---

# Tools

## Debt Repayment Calculator

Serving clients throughout South Africa through professional online consultations.

Debt Type
Monthly Payment
After Review

Home Loan

R

—

Vehicle Finance

R

—

Credit Card

R

—

Personal Loan

R

—

Other (store cards)

R

—

Calculate My Savings

Estimated monthly reduction

### You could save approximately

##

per month — a reduction on your current repayments.

[💬 Get a Free Consultation from a Debt Specialist](https://wa.me/27615350417)

### Request a Free Callback

Enter your details and a VS Debt consultant will contact you to discuss your options.

I consent to being contacted by VS Debt Solutions regarding my debt situation.

Send My Details
✓ Thank you! A consultant will be in touch shortly.

Disclaimer: Figures are illustrative estimates only. Your actual savings will depend on your individual circumstances and credit agreements.

## Debt Review Assessment

Serving clients throughout South Africa through professional online consultations.

Monthly Income

Monthly Gross Income
R

Monthly Living Expenses

Food/Groceries
R

Rent
R

Water, electricity, rates
R

Fuel and Transport
R

School Fees
R

Insurances
R

Other
R

Calculate Total Living Expenses

Monthly Creditor Payments

Home Loan
R

Vehicle Finance
R

Credit Cards
R

Furniture Accounts
R

Personal Loans
R

Store Cards
R

Calculate Total Creditor Payments

Do I qualify for debt review?

[💬 WhatsApp a Debt Consultant](https://wa.me/27615350417)