Annexure B
    4.3
    Annexure B
    p. 37

    Gross pay

      Gross pay is the total of all pay plus the total of employer benefits. Weekly wages are to be converted to a monthly income figure for calculation purposes (to submit a monthly income & expenditure statement).

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Gross pay is taken from the payslip, not the bank deposit. The deposit reflects net pay after deductions and using it as gross under-states income, which produces an affordability figure that creditors will reject on inspection.

    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 4.3: Gross pay. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 37.

    Related clauses

    4
    Annexure B
    Determination of Nett Income
    4.1
    Annexure B
    On making an effective assessment
    4.2
    Annexure B
    The consumer(s)
    4.4
    Annexure B
    Deductions for irregular income
    Previous
    4.2 The consumer(s)
    Next
    4.4 Deductions for irregular income
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    Based on NCR Guideline 001/2015, p. 37. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.