Annexure B
    4
    Annexure B
    p. 36

    Determination of Nett Income

    This clause is a parent heading. Its detail is set out across the 7 sub-clauses below:

    4.1
    On making an effective assessment
    4.2
    The consumer(s)
    4.3
    Gross pay
    4.4
    Deductions for irregular income
    4.5
    Statutory deductions or compulsory deductions
    4.6
    Employer deductions
    4.7
    Use the following guidelines in respect of other income

    NDRC Practice NoteLast reviewed 2026-04

    Legal context

    Statutory anchor: NCA Regulation 23A(4) prescribes statutory deductions and the resulting net income figure used for the s 79 over-indebtedness test.

    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: Determination of Nett Income. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 36.

    Related clauses

    4.1
    Annexure B
    On making an effective assessment
    4.2
    Annexure B
    The consumer(s)
    4.3
    Annexure B
    Gross pay
    4.4
    Annexure B
    Deductions for irregular income
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    4.1 On making an effective assessment
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    Based on NCR Guideline 001/2015, p. 36. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.