CCL Budget Calculator
Your budget — the honest version
A bank’s budgeting tool tells you how much credit you can take. This one tells you the truth: what you can actually carry each month — and what it takes to clear your arrears before the court process decides for you.
1Your income
2Your monthly expenses
Everything the month actually costs you — be honest, nobody is watching.
3Your arrears — the part banks don’t calculate
If you’re behind on any account, enter the total arrears. We’ll show you what it takes to clear them — because the banks and the courts will not stretch arrears past 36 months.
Now you know your number. Here’s what to do with it.
These figures are the start, not the plan. The full Personal Overview Check turns them into a route — catch up, restructure, or a planned exit on your terms — before the court process decides for you.
Consumer Credit Law is a specialist consumer-credit consultancy, not a law firm. Court litigation is conducted by our independent affiliate attorneys. These figures are estimates based on what you enter; they are general information, not financial or legal advice, and do not guarantee any outcome.