Debt Command Center for Clarity, Control, and Recovery.
Analyze your debt, view your Debt Score, DTI, and Risk Status — then unlock a creditor-by-creditor plan, negotiation tools, and a recovery roadmap. Preview is free.
See your numbers first. Pay only to unlock strategy.
Know your numbers before you borrow, sign, or commit.
Four instant tools designed to reveal the real impact of debt and loans in Zambia. No login required. Results in under 2 minutes.
Payslip Shock Analyser
Enter your gross salary and deductions. See your true deduction ratio, daily living budget, and payroll pressure score instantly.
Live Example
Before You Borrow Simulator
See the true cost of a loan before signing. Calculate total interest, monthly payment, and how many days of your salary the loan will consume.
Debt Truth Score
Reveal your financial health score in 60 seconds. Based on three critical indicators:
- Debt-to-income ratio
- Savings rate
- Emergency fund strength
Built for Zambian workers
Six common debt problems — solved with structure.
Every situation has a specific tool. Here's how Advisory360 addresses each one.
Don't know your real debt load
You're guessing at your total obligations and may be missing hidden deductions or charges.
DEBT calculates your exact DTI, total debt exposure, and financial risk level.
No idea if your deductions are correct
Loan deductions sometimes exceed what was agreed — and most people have no way to verify.
The system cross-checks your payslip deductions against your loan agreement.
Considering a new loan but unsure
You may need another loan, but you don't know what it will do to your net salary or risk level.
Run a simulation to see exactly how a new loan will affect your DTI and take-home pay.
Too many creditors, no clear strategy
You're paying multiple loans at once without a structured repayment order.
The platform prioritizes creditors and compares consolidation vs. your current path.
No structured recovery plan
You know you are in debt, but there is no clear roadmap for getting out.
Your analysis includes a creditor-by-creditor strategy and step-by-step recovery roadmap.
Creditor pressure with no documentation
Calls, threats, or unexpected deductions happen without any record or evidence.
Create a timestamped evidence trail to track communication and protect yourself.
Inside the Debt Command Center
Nine precision tools that turn debt confusion into structured control.
DTI Calculator
Calculate your exact debt-to-income ratio and see how it compares to safe financial thresholds.
Risk Assessment
Instant classification of your debt position: Low, Moderate, High, or Critical.
Creditor Breakdown
See every creditor, balance, interest rate, and payment obligation in one structured view.
Loan Audit
Check whether deductions, interest charges, and penalties match your loan agreement.
Salary Impact Simulator
See how a new loan will affect your net salary and DTI before you sign anything.
Recovery Roadmap
A clear step-by-step timeline showing how to stabilize, reduce, and eliminate debt.
Negotiation Toolkit
Scripts and structured strategies to negotiate payment terms with creditors.
Debt Report (PDF)
Download a structured report summarizing your debt exposure, risks, and recovery plan.
How It Works
Four steps from confusion to clarity.
Complete the Wizard
Enter your income, debts, deductions, assets, and expenses in a guided 7-step form.
Takes ~5–10 minutesGet Your Free Preview
Instantly see your Debt Score, DTI ratio, Risk Status, and top flags — no payment required.
Preview is freeUnlock Your Strategy
Choose a tier to unlock creditor plans, negotiation tools, roadmap, and PDF export.
Pay only for what you needExecute and Track
Follow your recovery roadmap, log progress, and re-run the analysis as your situation changes.
Save and resume anytimeWhat You See vs. What You Unlock
The preview gives you clarity. The unlock gives you execution.
- Debt Score (0–100)
- DTI Ratio
- Risk Status (Low–Critical)
- Top 3 flags and alerts
- Income & Deductions Overview
- Full Creditor-by-Creditor Breakdown
- Recovery Strategies & Action Plans
- Creditor Negotiation Scripts (Standard+)
- What-If Scenario Simulations (Standard+)
- 12-Month Recovery Roadmap (Basic+)
- PDF Report Export (all paid tiers)
You pay only to unlock execution.
Pricing
Start free. Unlock only what you need.
For individuals with 1–2 creditors
- Debt Score (0–100)
- DTI Ratio
- Risk Status (Low / Moderate / High / Critical)
- Top 3 Risk Flags
- Monthly Cash Flow Summary
- Income & Deductions Overview
- Financial Scorecard (Debt Score, DTI, Risk Status)
- Full Risk Flags & Alerts
- Creditor-by-Creditor Breakdown
- Salary Deductions & Disposable Income
- Recovery Strategies & Debt Avalanche Priority
- Expense Breakdown (pie chart)
- Asset Register
- Loan & Deduction Audit
- PDF Report — Basic (Synopsis)
Best for multiple creditors
- Debt Score (0–100)
- DTI Ratio
- Risk Status (Low / Moderate / High / Critical)
- Top 3 Risk Flags
- Monthly Cash Flow Summary
- Income & Deductions Overview
- Financial Scorecard (Debt Score, DTI, Risk Status)
- Full Risk Flags & Alerts
- Creditor-by-Creditor Breakdown
- Salary Deductions & Disposable Income
- Recovery Strategies & Debt Avalanche Priority
- Expense Breakdown (pie chart)
- Asset Register
- Loan & Deduction Audit
- PDF Report — Basic (Synopsis)
- Creditor Negotiation Scripts (pre-written templates)
- What-If Scenario Simulations (4 strategies)
- Asset Utilisation Strategies
- Financial Diagnostic Intelligence (AI Insights)
- Borrower Awareness & General Rights
- Cash Flow Allocation Plan (60/30/10 breakdown)
- PDF Report — Standard (Detailed + Diagnostics)
For complex multi-creditor situations
- Debt Score (0–100)
- DTI Ratio
- Risk Status (Low / Moderate / High / Critical)
- Top 3 Risk Flags
- Monthly Cash Flow Summary
- Income & Deductions Overview
- Financial Scorecard (Debt Score, DTI, Risk Status)
- Full Risk Flags & Alerts
- Creditor-by-Creditor Breakdown
- Salary Deductions & Disposable Income
- Recovery Strategies & Debt Avalanche Priority
- Expense Breakdown (pie chart)
- Asset Register
- Loan & Deduction Audit
- PDF Report — Basic (Synopsis)
- Creditor Negotiation Scripts (pre-written templates)
- What-If Scenario Simulations (4 strategies)
- Asset Utilisation Strategies
- Financial Diagnostic Intelligence (AI Insights)
- Borrower Awareness & General Rights
- Cash Flow Allocation Plan (60/30/10 breakdown)
- PDF Report — Standard (Detailed + Diagnostics)
- Executive Control Panel (1-page decision snapshot)
- Debt Freedom Timeline (3 projection plans: conservative/moderate/aggressive)
- Strategic Options (3 clear paths with exact costs & timelines)
- Personal Debt Command Plan (0–30 / 30–90 days / 3–12 months)
- Creditor Power Analysis (enforcement capability & negotiation leverage)
- Creditor Risk Map (urgency ranking by creditor)
- Salary Impact Simulator (full loan audit module)
- Consolidation Evaluator
- Final Advisory Summary (position, risks, opportunities, discipline required)
- PDF Report — Premier (Comprehensive, all sections)
- Priority Support
All tiers start with a free preview. No payment required to see your score.
Loan Audit Module
If your deductions don't match your loan agreement, you may be overpaying. The Loan Audit module investigates your payslip against your agreement and builds a findings report you can act on.
Zambia's First Debt Command Center
DEBT Advisory360 was built to give Zambians the same evidence-based financial intelligence that was previously only available to large corporations. We believe every individual deserves a clear, honest picture of their debt situation — and a structured path out of it.
Our platform combines rigorous debt scoring, DTI analysis, creditor intelligence, and recovery strategy into one unified system. Whether you are managing a single loan or navigating a complex multi-creditor situation, Advisory360 gives you the data and the plan.
Built from Real Experience, Not Theory
Mathews Kapansa is a Zambian financial professional, entrepreneur, and the founder of DEBT Advisory360. With a career spanning over two decades across banking, telecommunications, auditing, public finance, and private enterprise, he brings a rare depth of practical financial insight grounded in both institutional systems and real-life business experience.
But DEBT Advisory360 was not built from corporate experience alone. It was built from direct exposure to the realities of debt — working with individuals, families, and entrepreneurs who were trapped in cycles of borrowing, unclear deductions, rising interest, and financial pressure with no structured way out.
Through these engagements, Mathews observed a consistent pattern: people were not failing because they lacked discipline — they were failing because they lacked clarity and structure.
Many did not know:
- ›their true debt position
- ›how much interest they were actually paying
- ›whether deductions were correct
- ›which debt to prioritise
- ›or how long it would take to become debt-free
DEBT Advisory360 was created to solve that problem. It is not a motivational platform. It is not a budgeting app. It is a Debt Command Center — a system designed to bring precision, structure, and control into personal finance, specifically tailored to the Zambian context.
"Financial freedom is not achieved by guesswork. It is achieved through clarity, structure, and disciplined execution."
Today, DEBT Advisory360 stands as a tool built not just to analyse debt, but to help people understand it, confront it, and systematically overcome it.
Get in Touch
Have a question about your debt situation, our platform, or partnership opportunities? Send us a message and we'll respond within one business day.