See how much pressure your monthly repayments are creating.

Tell us how to contact you, then enter a few rounded monthly figures. If you stop partway, Alliance can help you finish. This does not start debt review.

Before we begin

How can we contact you?

Share your basic details so we can help if you have a question or do not finish the assessment. The financial questions come next.

Only basic contact and monthly figures
No ID number or documents needed
This does not start debt review

✓ Details receivedYou are ready to continue.Next: answer the questions below.

1. Monthly household income

Use net amounts after tax and payroll deductions.

Your net income

Partner or other income

2. Essential living expenses

Exclude debt instalments; include rent, food, transport, school, medical, utilities, insurance and maintenance.

Total essential expenses

3. Current debt and monthly repayments

Use the contractual amounts due, even where you are currently paying less. The total balance can be a rounded estimate.

Estimated total debt balance

Home loan

Vehicle finance

Personal loans

Credit cards and overdrafts

Store and retail accounts

Other debt

4. Warning signals

Are you behind on payments?

Any summons or repossession warning?

Your result will appear here

This quick check compares household income, essential expenses and monthly debt repayments. It is an estimate, not a formal debt-review assessment.

Your debt-pressure result

Household income

Essential expenses

Current debt repayments

Estimated total debt

Cash remaining after debt

Debt-to-income pressure

No repayment reduction is guaranteed. A registered counsellor must verify income, expenses, balances, legal status and creditor information before making a recommendation.

What happens next?

Your result will be saved securely so Alliance can discuss it with you if you would like help.

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