IVA Calculator

Fill in the debt calculator if you would like to know more about an IVA or to find out if it is the right solution for addressing your unaffordable debts. Include as much information as possible about your household income, expenses and debts. Send the IVA calculator through to us so we can review your information and see if you are elgibile for an IVA or any of the other debt solution. All advice is free, confidential and without obligation. Your details will never be passed to any third parties.

Online IVA Calculator & Enquiry

Step 1 · Your Monthly Income

Monthly Salary

Monthly Salary (partner)

Income from Benefits

Child Maintenance Income

Income from Pension

1. Other Income

1. Other Income Amount

2. Other Income

2. Other Income Amount

3. Other Income

3. Other Income Amount

TOTAL MONTHLY INCOME

Step 2 · Your Monthly Expenses

Mortgage / Rent

Council Tax

Life Insurance

Buildings / Contents Insurance

Water Rates

Gas / Electric

TV Licence

Landline Rental

Mobile Costs

Food and Toiletries

Clothing and Footwear

Public Transport

Car Expenses (Fuel, Tax Insurance, Repairs)

Medical, Optical and Dental

Sky or TV Package

Hairdressing

Meals at Work

Pets

1. Other Expense

2. Other Expense Amount

2. Other Expense

2. Other Expense Amount

3. Other Expense

3. Other Expense Amount

4. Other Expense

4. Other Expense Amount

TOTAL MONTHLY EXPENSES

Your potential IVA Payment

Below is the new amount you could be paying towards your debt as a monthly IVA payment (the income left over after you have paid all of your living costs / expenses).

DISPOSABLE INCOME CALCULATION

Step 3 · Your Debts

Fill in as much information as you can about your debts / creditors. The more information you provide, the better we can advise you.

Creditor 1	Balance (approx)
Creditor 2	Balance (approx)
Creditor 3	Balance (approx)
Creditor 4	Balance (approx)
Creditor 5	Balance (approx)

TOTAL CREDITOR BALANCE

Your Contact details

Your full name

Telephone Number

Email Address

Any additional information?

By submitting this form I consent to the processing of my data & agree with the McCambridge Duffy Privacy Policy

About the IVA Calculator

The purpose of the IVA calculator is to give us an idea of your financial situation and help us determine if an IVA is a suitable option for you. The IVA calculator will also give you an idea of what your monthly payment could be in an IVA, by working out how much money you have left over each month to go towards your debts. The calculator will only give you an approximation of what your monthly payment might be and should only be used as a guideline for an IVA.

IVA Calculator Completing this form does not qualify you for an IVA and does not confirm that an IVA is your best option. We will only be able to properly assess you for an IVA after reviewing your information and having a brief conversation with you about your situation. We will also run through any other options you might have available for addressing your problem debts.

If you have any questions, call us on 0800 043 3328.

What is an IVA?

An IVA is a formal insolvency solution that can help you address your unaffordable debts. It normally consists of affordable monthly payments towards your debts that last for 60 months (5 years). Once your IVA is agreed it becomes legally binding on you and your creditors. On completion of the IVA any remaining debts are written off and you can start over debt free. Read more about an IVA