Use our DRO Calculator to work out how much you can repay to your creditors.

Enter the amount you owe each creditor, and the amount you can afford to repay each week, or the length of time you want to make payments for. The calculator will do the rest, and will add the fees that need to be paid to the total.

Use our calculator to work out your budget.

It will be easier to apply if you have all the information you need ready before you start. Find the form(s) you need here.

We have several booklets to help you understand the insolvency options in New Zealand and how they could affect you.