Yes. Every calculation runs in your browser. Nothing is sent to a server, and no account is required.

No. Debt Analytics 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.