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IVA Calculator

Is an IVA right for me? Find out now with our IVA Calculator

To find out if an IVA is right for your situation simply follow the 4 Steps below and our IVA calculator will work out if an Individual Voluntary Arrangement is suitable for you or not.

If there is a difference between what you can afford to pay your creditors and what you are currently being asked to pay, give us a call on 0800 043 5043.

You can discuss your options with us for free and in total confidence and with no obligation to proceed.

If you would prefer us to contact you to discuss your options please complete our enquiry form on the contact us page.

Step 1 of 4 - Monthly Income

Your monthly wages after tax
Partner's monthly wages after tax

Only fill these out if they are applicable:

Income Support
Disability Living Allowance
Working Tax Credit
Child Benefit
Child Tax Credit
Child Maintenance
Other (specify)
Total Income

Step 2 of 4 - Monthly Expenditure


Secured Loan
Contents Insurance
Building Insurance
Life Policy
Council Tax
Water Rates
Misc / Contingency


Home Phone
Mobile Phone
Sky/Digital TV
TV Licence
CSA or Child maintenance
Public Transport
Optical and Dental
Private Pension

Motor Expenses:

Road Tax
Hire Purchase
Total Monthly Expenditure

Step 3 of 4 -Your Creditors

How many creditor accounts do you have?
Total Debts
Total Monthly Payment

Step 4 of 4 - The Results:

Your Monthly Disposable Income:

This could be your new monthly debt repayment*

Your Current Monthly Debt Repayment:
Total Debts

Am I eligible for an IVA?

To qualify for an IVA you need to:

  • be struggling with your current payments
  • have a disposable income of over £80
  • have total debts of over £6,000

Send these details to us and get us to call you.

Fill out the form below and we will contact you shortly.

Full Name *
Address *
Telephone *
Mobile *
Email *
Best Time to call *
Captcha *


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* Your monthly payment is based on your personal circumstances and the information you provide to us. It does depend on what you can afford and whether or not your creditors would accept this payment. The outcomes can change if your circumstances change and if the information you provide to us is incorrect. IVA is part Guardian Insolvency Ltd a firm of Licensed insolvency practitioners. Use our free online IVA calculator to help you to decide if an IVA is right for you. For more information about individual voluntary arrangements and other alternative solutions to debt please call us today on 0800 043 50 43. Please be advised that all of our initial advice and information is completely free and without obligation. However charges may apply if you decide to take advantage of one of our services.

Is an IVA right for you

Answer a few simple questions and we'll help you find your solution.

Total unsecured debt : £4000


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The IVA Advice site is owned by Guardian Insolvency Ltd. Guardian Insolvency Ltd is registered in England and Wales No. 07906134 whose registered address is Coppull Business Centre, Mill Lane, Coppull, Chorley, Lancashire, PR7 5BW. Data Protection Number: ZA093360