Our free debt calculator enables you to enter this information in separate steps and the calculation then determines what your monthly surplus or shortfall is. This amount indicates whether your debt status is that you are over-indebted or not which then determines which debt solutions you qualify for.
It is important that you enter all the required amounts as accurately as possible. There is no point in attempting to create a result which is not in agreement with your current circumstances because all amounts will ultimately need to be verified.