Use this simple IVA payment calculator to estimate your monthly IVA contribution, how long you might pay for, and roughly how much debt could be written off at the end. Many arrangements start from around £69/month, depending on circumstances.
🧮 Try the IVA CalculatorIf you’re searching “how much will I pay in an IVA?”, “IVA calculator UK” or “IVA payment example 2025”, you’re not alone. Most people want real numbers before they even think about applying.
This page gives you two things:
Once you’ve seen your rough figure, you can book a free IVA assessment with Fresh Start to see if an IVA is suitable, or if another route (like a Debt Management Plan (DMP) or Debt Relief Order (DRO)) would be better.
This tool is designed for UK-based borrowers who want a quick IVA repayment calculator before they talk to anyone. It’s ideal if you:
Use this calculator as a sense-check. It can’t give you a binding quote, but it can show whether an IVA might reduce your monthly outgoings compared with juggling separate creditors.
Start Free IVA CheckEnter a few basic figures below to see a rough guide to what your IVA payment might look like. This is not advice and not a regulated IVA quote — it’s just a starting point to help you understand the maths behind common searches like “IVA repayment calculator” and “IVA payment calculator 2025”.
We’ll assume:
• Your disposable income = income minus essentials.
• A small buffer is kept back for unexpected costs.
• The remainder is your rough IVA payment, usually over 5–6 years.
Important: this is a very simplified illustration. Your real IVA payment can only be set after a full review by an Insolvency Practitioner. Property, car finance, household size, and creditor responses all matter too.
Want a human to check the numbers? Share your rough figures using our quick form and an advanced specialist will talk you through realistic options based on your budget and creditor mix.
Book Free IVA ReviewUse these quick links if you’ve searched for things like “how much will my IVA payments be” or “IVA payment examples UK” and want to go straight to that bit.
A common myth is that an IVA payment is based on “x% of your debt”. In reality, it is based on your affordable monthly contribution after essential living costs, agreed with an Insolvency Practitioner (IP) and your creditors.
This includes wages, benefits, pensions and any regular contributions from a partner or other adults in the home. Variable income (like overtime or self-employed work) is usually averaged out so your IVA doesn’t rely on your best month.
Before any IVA payment is even discussed, an adviser will go through your budget:
The goal is to protect your household first, then see what’s genuinely left for unsecured debts. This is exactly how many top IVA calculator tools work behind the scenes — they focus on disposable income, not the size of your debt alone.
Your disposable income is your income minus those essential costs. If that figure is negative, an IVA may not be the right route — something like a DRO, token payments or a different solution might be better.
In practice, most IPs don’t take every last pound of your spare income. There is often a small buffer for fluctuating costs, emergencies and one-off expenses. Your IVA payment is usually slightly lower than your disposable income so you have room to cope with real life.
Most IVAs run for 5–6 years. Your monthly payment multiplied by the number of months gives the total amount you repay into the IVA. Fees are taken from this pot, and whatever remains is distributed to your creditors. Any included unsecured debt not repaid at successful completion is usually written off.
A rough “IVA payment calculator UK” rule is that your monthly IVA contribution is often close to your disposable income after a modest buffer. That’s why entering realistic income and outgoings into any online IVA calculator matters more than the exact debt figure.
Check My IVA BudgetThese examples are simplified to give you a feel for the numbers. They are not recommendations or quotes. Every IVA proposal is individually assessed, and your own IVA monthly payment could be higher or lower.
After a small buffer for unexpected costs, an IVA payment might be set at around £300–£350 per month.
If Emma paid £320 per month for 5 years, that’s £320 × 60 = £19,200 paid into the IVA. Once fees are deducted and the rest is shared between creditors, the remaining included debt could be written off at successful completion.
After a buffer, their joint IVA payment might be set at around £450–£500 per month, depending on their detailed budget and lender views.
At £480 per month over 5 years, they would pay £480 × 60 = £28,800 into the IVA. The rest of the included unsecured debt may then be written off if the IVA completes successfully, subject to equity rules and any variations along the way.
Many people search for “IVA calculator for 30000 debt” or “IVA payment on 40k”. Because IVAs are based on spare income, not just debt level, two people with the same balance can have very different IVA payments. The calculator on this page lets you plug in your own income and essentials and see how your situation looks.
These numbers are for illustration only. To see what your own figures could look like, it’s best to speak to a specialist.
Show My IVA ExampleIf you own a property, your equity (the value of the property minus your mortgage and secured loans) is taken into account when an IVA is proposed. This can affect both the term and how creditors view the offer, which is why some people look for an “IVA calculator with equity”.
Equity rules are technical, and they can make a big difference to whether an IVA is right for you. If your home is at risk due to arrears, see Mortgage Arrears or Rent Arrears for priority advice, then return to this IVA calculator to see how your surplus income looks once your home is stabilised.
Check My IVA & HomeThere is no single rule that fits everyone, but an IVA is often considered where:
An IVA is unlikely to be right if:
A specialist will look at your debts, income, assets and household to decide if an IVA is appropriate, or if other routes such as a DRO, DMP or even bankruptcy are better. Use this IVA payment calculator as a gateway to that conversation, not the final word.
Check If I QualifyYour figures from the IVA calculator are a good starting point to compare different routes. Many people who search for an “IVA calculator UK” also want to know if a DMP or DRO might work better.
For a side-by-side comparison using your rough numbers, start with:
Compare My OptionsAn online calculator is useful, but it can never replace a full conversation with a qualified adviser. It cannot take into account:
Think of it as an early sense-check, not a decision-maker. Once you’ve seen your estimate, the next step is to talk through the details with someone who can look at the whole picture and explain how a formal IVA proposal would really work for you.
If you want a more detailed budget view before that chat, you can also try your general Debt & Budget Calculator alongside this IVA payment tool.
Review My Full PictureNo. It’s designed to give a rough guide only. Your exact payment can only be set after a full review of your income, spending, debts, and circumstances by an Insolvency Practitioner.
In an IVA, the focus is on what you can realistically afford after essentials, not what creditors are asking for individually. That’s why the calculator uses your spare income, not your existing contractual payments.
Don’t panic. It may simply mean an IVA isn’t the right tool. Other options — such as a Debt Relief Order, a very low payment DMP or short-term token payments — might suit you better. A specialist can help you check.
It can. Most IVAs include an annual review and a process called a variation if your circumstances change significantly. If your income drops or essential costs rise, your payment can sometimes be reduced with creditor agreement. If your income increases, your payment might rise too.
Some people are able to settle an IVA early by offering a lump sum (for example from a relative or a windfall). This has to be formally proposed and approved, and depends on your individual agreement and creditor views.
If your IVA completes successfully and all terms are met, included unsecured debts are usually written off. But there is no guaranteed percentage of write-off, and certain debts may be excluded from the start.
Yes, as a starting point. Use your average monthly income and realistic business and household costs. If your income varies a lot, an adviser may look at a longer period of trading to build a stable IVA payment that you can keep up.
Send us your rough numbers and questions using the quick form below and we’ll talk you through the options in plain English.
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