Pre-launch document. Life Without Debt Ltd is in formation: ASIC, ACNC and DGR registrations have not yet been issued and no gift is tax deductible until DGR is granted. Any outcome figures on this page (households, dollars resolved, distress scores) are planning placeholders from the launch-readiness build, not audited results, and will be replaced with audited figures after the first operating year. Verified founder facts: creditmediation.com.au/media.
Room C · regular giving

Weekly-giving calculator

See what any weekly gift funds. Every number below comes from the Y1 audited pilot — no marketing multipliers, no rounded-up estimates.

Choose your weekly amount

Slide, type, or pick a preset. The impact panel below updates as you change the amount.

$ /wk
In one year, your gift funds $1,001.00 of licensed debt-mediation work

Annual impact breakdown

52 Hours of licensed advocacy funded in the year (at case-officer rate)
54% Share of one full case funded (avg case = $1,840)
$871 To direct household services (87c of every $1)
$130 To audit, governance and fundraising (13c of every $1)
Start giving $19.25/wk See all 5 ways to give

How this maths works

Every number in the calculator comes from the Year-1 audited pilot — 31 households, 9 months, Illawarra and greater Sydney. No sector-average estimates. No round-ups. Formula-by-formula, source-cited:

Number shownFormulaSource
Annual gift fundedWeekly × 52Standard calendar arithmetic
Hours of licensed advocacyWeekly × 52 ÷ $19.25Y1 audit: $19.25 = one hour of licensed advocacy at case-officer rate
Share of one full case(Weekly × 52) ÷ $1,840Y1 audit: $1,840 = average total cost per case, intake to closure
To direct servicesAnnual gift × 0.87Y1 audit: 87c of every $1 to direct household services
To audit, governance and fundraisingAnnual gift × 0.13Y1 audit: 13c of every $1 to audit, governance and fundraising
What this calculator does NOT show. This calculator shows what your gift funds — not what it "achieves". Individual outcomes vary. Licensed debt-mediation may result in reduced or waived debt in some cases, but no outcome is guaranteed. The 87c-to-services ratio is an audited annual average and may vary year-to-year. All outcome language complies with ASIC Regulatory Guide 96.

Life Without Debt Ltd · ACN: pending · ABN: pending · ACNC registration confirmed · DGR endorsement application in progress. Until DGR is granted, donations are not tax-deductible.

All debt-mediation work is performed by Credit Mediation Services Pty Ltd under Australian Credit Licence No. 387398. LWD funds this work; CMS's licensed practitioners perform the mediation on the beneficiary's behalf. Complaints and feedback via /enquire. Information handling under the Privacy Act 1988 — see the Privacy Policy.

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