Free Debt Calculator for Singaporeans – Understand Your Debt in 5 Minutes
Our free Singapore debt calculator helps you estimate your repayment capacity, spot urgent warning signs, and identify which documents to prepare — all before your first consultation. Takes 5 minutes, requires no NRIC, and every response is kept strictly confidential.
Understand your debt pressure, repayment capacity, missing documents, and possible next steps — before your consultation.
Do not enter full NRIC, full bank account numbers, passwords, Singpass details, or sensitive login information. Full documents should only be submitted through the secure consultation process.
Your situation
A few details about your income and household. Estimates are fine. Fields marked * are required.
Your debts
Add each debt you can think of. You can estimate — your consultant will verify with documents. At least one debt with a creditor name, type and balance is required.
Urgent warning signs
These help us understand whether anything is time-sensitive. Answer honestly — there is no wrong answer.
Your answers suggest there may be time-sensitive issues. Please seek professional review as soon as possible, especially if there are court, bankruptcy, creditor deadline, or harassment-related documents.
Monthly cashflow
Your typical monthly money in and out. We use this to estimate repayment capacity.
What documents do you have?
Tick what you can access today. We'll build your preparation checklist from this.
This calculator provides a general estimate based on the information entered. It does not provide legal, financial, or insolvency advice, or guaranteed outcomes. A qualified professional must review your documents before any decision is made. We do not guarantee debt reduction, creditor acceptance, approval of any scheme, interest freeze, or legal outcome.
Here is where you stand today
Repayment pressure
Where your money goes
Monthly, based on what you entered
Debt breakdown by category
No debts entered — add them in step 2 for a full breakdown.
Document readiness
{{ docsHave }} / {{ docsTotal }} readyPossible review pathways
Based on your answers, these may be useful areas to review with a consultant. These are not recommendations or advice.
Want a consultant to review this properly?
Your snapshot is ready. A human consultant can review your documents and explain your possible next steps.
Send my result for review
Optional. A consultant will reach out to arrange a confidential review. (Mock only — nothing is sent in this prototype.)
Thank you — your result is noted
In this prototype no data is actually sent. In the live service, a consultant would reach out to arrange your confidential review.
Frequently asked questions
Is this debt calculator safe to use — will my information be stored?
The calculator is designed to collect only estimates, never sensitive identifiers such as your NRIC, bank account numbers, or Singpass credentials. Results are used solely to generate your preparation summary. Full document submission happens only through the secure consultation process.
How accurate is the debt repayment estimate from this calculator?
The calculator produces a general estimate based on the figures you enter. Estimates are a useful starting point, but a qualified debt consultant must review your actual documents to give you a reliable picture of your options. No outcome is guaranteed.
What debt types can I include in the Singapore debt calculator?
You can add credit card balances, personal loans, renovation loans, medical bills, business debts, and other liabilities. Include every creditor you can recall — your consultant will verify the exact figures using official statements during the consultation.
What happens after I complete the calculator?
You will receive a personalised summary showing your estimated debt pressure, repayment capacity, any time-sensitive warning signs, and a document preparation checklist. You can then book a confidential consultation with a Debts or Death adviser to discuss your next steps.
Can this calculator tell me if I should apply for bankruptcy or a Debt Repayment Scheme (DRS) in Singapore?
The calculator can flag whether your situation may be time-sensitive and help you organise your information, but it cannot recommend a specific debt solution. Bankruptcy, DRS, and debt consolidation decisions depend on detailed financial and legal review by a qualified professional.
Do I need to know exact figures to use the calculator?
No — estimates are fine for every field. The goal is to give you and your consultant a working picture of your situation before you meet. Exact balances, interest rates, and overdue periods will be confirmed against your official statements during the consultation.
What are the 'urgent warning signs' the calculator asks about?
These questions identify situations that may require prompt action, such as receiving court documents, statutory demands, creditor harassment, or approaching bankruptcy deadlines. If any apply to you, the calculator will prompt you to seek professional review as soon as possible.
Is this debt calculator free to use?
Yes, the Debt Clarity Calculator is completely free and carries no obligation. It is designed to help Singaporeans understand their debt position and prepare for a more productive first consultation with a debt adviser.