The proposed guidelines in the table below take into account
The proposed guidelines in the table below take into account that the spending patterns of consumers are influenced by the level of own income, household income, dependants and required expenses. The percentages that are tabulated below are indicative only and are based on the After Tax Income or household income specified in range bands. The aim of this guideline is for the Debt Counsellors to use this as a guideline to determine the minimum level of nett income that is available for debt repayments.
NDRC Practice NoteLast reviewed 2026-04
The table is a benchmark, not a cap. Where actual expenses exceed the benchmark, the consumer must produce documentary support such as receipts, leases or medical letters.
Credit providers compare each line against the benchmark and challenge any unsupported overrun. Documented overruns are routinely accepted.
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 5.2: The proposed guidelines in the table below take into account. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 39.