Free IVA calculator and eligibility check

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How the IVA calculator works

The form above is a free online IVA eligibility check and partner-referral form. We may receive a fee for an introduction, as explained in our privacy policy. It asks about your unsecured debts, who you owe money to, your income and your regular outgoings. That is the same information an advisor uses to judge whether an Individual Voluntary Arrangement is worth exploring, so completing it gives you a realistic starting point rather than a generic estimate.

It usually takes about two minutes. There is no credit check to use the form, and completing it does not commit you to anything.

What the check looks at

There is no single legal minimum debt level for an IVA. Suitability depends on your debts, income, assets and creditors, and creditors themselves decide whether to approve a proposal. The check considers the factors that matter in practice:

• Unmanageable unsecured debt - you cannot keep up with normal repayments on loans, credit cards, overdrafts or arrears
• More than one creditor - IVAs are usually designed for people who owe money to several lenders or organisations
• Regular income - a monthly contribution IVA needs affordable, sustainable payments, usually over 5 or 6 years
• Where you live - IVAs apply in England, Wales and Northern Ireland; Scotland has different solutions such as protected trust deeds

Can I apply for an IVA online?

Yes. You can start the process online: the eligibility check runs entirely in your browser, and if an IVA looks suitable your details are passed to an FCA-authorised firm whose advisor completes a full assessment with you. An IVA itself must be set up by a licensed Insolvency Practitioner, so a conversation is always part of the process before anything is signed - but the first step does not require a phone call.

Before you apply

An IVA is a formal insolvency procedure, not a quick fix. It normally affects your credit file for six years, appears on a public insolvency register (Northern Ireland has its own register), and can fail if payments are not kept up. Make sure you have compared the alternatives first:

• How an IVA works - the full guide, including risks
• IVA pros and cons - advantages and trade-offs
• IVA vs Debt Management Plan and IVA vs Debt Relief Order - comparisons with the main alternatives
• What an IVA costs - how fees are handled inside payments

Free, impartial debt advice is also available from MoneyHelper and Citizens Advice.