Private, local, and built for working professionals and small entrepreneurs. Structure your debt repayment in Rands, without sharing sensitive bank logins.
Total Liability
R 142,500.40
250+
Individuals assisted
R18,240
Avg. interest saved
100%
On-device calculations
0
Sign-ups required
Three strategies
Most people pick a payoff method by feel. Tally shows you the real trade-off between each option for your debts.
Target the highest interest rate first. Mathematically the cheapest path — saves the most on interest.
e.g. save R14,600 vs minimums only
Lowest costKnock out the smallest balance first. Wins on motivation through quick, visible progress.
e.g. clear first account in 4 months
Best motivationSee if one loan at a lower rate would actually save money once fees and term are counted.
e.g. R2,400 → R1,860/mo
Simplifies adminHow it works
Balance, minimum payment, interest rate. Nothing leaves your browser.
See avalanche, snowball and consolidation side-by-side in ZAR.
Track your debt-free date and interest saved as you pay down.
"I thought consolidation was the answer. DAP showed me that avalanche would clear my accounts eleven months sooner — and save me almost R19,000. It made the maths feel like mine."
Common questions
Yes. Every calculation runs in your browser. Nothing is sent to a server, and no account is required.
No. Debt Advisory Partner is educational and helps you understand your options. If you're already over-indebted, speak to an NCR-registered debt counsellor — we recommend it.
We model monthly compounding, minimum-payment rules and consolidation trade-offs common to South African credit products. It's not a substitute for regulated advice.
Once the page has loaded, calculations continue to run locally. Your device is the only place your numbers live.
Yes. We plan to offer a paid plan in the future, but the core debt tool will remain free.
Free, private, and built specifically for South African borrowers. No sign-up, no bank connection, no upsell.
Launch the Debt Tool