Assessment

        Vantage Debt Assessment Tool

Instructions: Please enter the information in each fields regarding income, expenses and debt repayments. The net position will be displayed at the end of the tool and it is calculated as

Net Position = Your Net Income – Your Expenses – Your Debt Repayment

Your Net Position is a good indicator for your current financial position.

Your net position represents your net worth at the end of each month. If this falls within 5-10% of your monthly income, you are not left with much. Any unexpected expenses will push you over the edge into an over-indebted position, which can cause financial stress. If your net position is negative, you are by definition over-indebted and are relying on debt to make it through each month. This requires urgent attention. We advise you to speak to one of our agents for advice.