The consumer(s)
The consumer(s) should be requested to make the following available when NETT income is determined:
a) Pay slips for the last month. In some cases pay slips for longer periods should be requested especially if the consumer is on slow time, received an increase or decrease or other change in circumstances.
b) Bank statements for 3 to 6 months
c) Where overtime or commissions is received pay slips for the last 3 to 6 months.
d) If self employed, bank statements or financial statements or spreadsheet to indicate income for the last 6 months as well as an income and expenditure statement for the business. The latter could be required by a Court to proof income and expenses.
NDRC Practice NoteLast reviewed 2026-04
Net income is gross income less PAYE, UIF, pension and any other compulsory statutory deductions. Voluntary deductions like medical aid premiums sit on the expense side of the worksheet, not the income side.
Anchor: NCR Guideline 001/2015 Annexure B, paragraph 4, read with NCA s 78(3) (definition of gross income).
Drawn from NDRC's active case work. For your situation, see our debt counselling overview.
Cite this clause
National Credit Regulator. (2015). Annexure B — Debt Review Assessment Guidelines, clause 4.2: The consumer(s). Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 37.