IVA Calculators & Tools

Free IVA Calculators

Use our free, interactive tools to understand your debt solution options better. All calculations are estimates and should not be considered financial advice.

🎯 IVA Eligibility Calculator

Find out if you meet the basic criteria for an Individual Voluntary Arrangement with our detailed questionnaire.

  • Check debt level requirements
  • Assess income eligibility
  • Get instant results
Check Eligibility

💷 IVA Monthly Payment Calculator

Estimate your potential IVA monthly payment based on your income and essential expenditure.

  • Calculate disposable income
  • Estimate IVA payment
  • See total repayment amount
Calculate Payment

⚖️ Debt Solution Comparator

Answer a few questions and we'll recommend the most suitable debt solutions for your situation.

  • Compare IVA, DRO, bankruptcy, DMP
  • Get personalized recommendations
  • Understand pros and cons
Compare Solutions

📊 IVA Cost Breakdown

Understand the costs involved in an IVA and see how fees are distributed over the term.

  • Visualize nominee fees
  • Understand supervisor charges
  • See creditor repayment
View Cost Breakdown

How to Use These Tools

1. Start with Eligibility

If you're new to IVAs, begin with the Eligibility Calculator to see if you meet the basic requirements.

2. Estimate Your Payment

Use the Monthly Payment Calculator to understand what you might afford to pay toward an IVA.

3. Compare Options

Try the Debt Solution Comparator to see how an IVA compares to other options based on your circumstances.

4. Understand Costs

Finally, use the Cost Breakdown tool to see where your payments would go.

Important Notes

⚠️ These are estimation tools only

  • Results are indicative and not financial advice
  • Actual IVA terms depend on creditor approval
  • An Insolvency Practitioner will make the final assessment
  • Always seek professional advice before committing to any debt solution

What Happens Next?

After using these calculators:

  1. If IVA seems suitable: Research licensed Insolvency Practitioners
  2. If uncertain: Read our comparison guides
  3. For more information: Explore our FAQ section
  4. For professional advice: Contact free debt charities:
    • StepChange: 0800 138 1111
    • National Debtline: 0808 808 4000
    • Citizens Advice: Local bureau

Additional Resources