Free Online Tool
Maintenance Arrears
Calculator
Work out exactly how much unpaid maintenance you are owed under a court order, including annual increases and interest at the prescribed rate. No sign-up needed.
The amount in the order when it started
Everything received since the start date
Later instalments fall due on the same day each month
Usually today
Applied on each anniversary. Use 0 if the order has none.
Prescribed rate: 10.50% from 1 July 2026
Total arrears owed
Enter the order details above
Year-by-year breakdown
| Year | Monthly | Due | Unpaid | Interest |
|---|
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Estimate only, not legal advice. Payments are set off against the oldest instalments first, interest is simple interest from each instalment's due date, capped by the in duplum rule, at one rate for the whole period.
How It Works
How maintenance arrears are calculated
1. Add up every instalment that fell due
An order of R 3,000 a month from January 2025, with a 6% annual increase, means 12 × R 3,000 for 2025 and R 3,180 a month from January 2026.
2. Subtract what was actually paid
Payments are set off against the oldest unpaid instalments first, so the most recent months are the ones that stay unpaid.
3. Add interest on each unpaid instalment
Interest at the prescribed rate (repo + 3.5%) runs from each instalment's due date, and can never be more than the unpaid capital it accrued on.
You have a number. Now what?
Take your calculation to the maintenance court that made the order and apply for enforcement on Form K (J306) under section 26 of the Maintenance Act. Bring the order, your bank statements showing what was received, and this breakdown. The court can then:
- Attach their salary with an emoluments attachment order, so the employer pays you directly
- Attach money owed to them, such as a pension payout or a debt
- Issue a warrant of execution against their property
Failing to pay maintenance is also a criminal offence. Read more in our guides to calculating arrears, enforcing a maintenance order and what to do when your ex doesn't pay. If there is no order yet, start with Form J101.
FAQs
Maintenance arrears FAQs
Add up every instalment that fell due under the maintenance order from the date it started (including any annual increases the order provides for), then subtract everything the other parent actually paid. Payments are normally set off against the oldest unpaid instalments first. What is left is the arrears capital, and interest can be added on each unpaid instalment from the date it was due.
Interest on arrear maintenance can generally be claimed at the prescribed rate of interest from the date each instalment fell due, unless the order sets another rate. The prescribed rate is the Reserve Bank repo rate plus 3.5 percentage points (10.50% a year from 1 July 2026). Ask the maintenance officer or an attorney whether interest should be included in your enforcement application.
Under the in duplum rule, interest stops running once the unpaid interest equals the unpaid capital on which it accrued. This calculator applies that cap to each unpaid instalment.
Arrears under a court order are generally treated as a judgment debt, which prescribes only after 30 years under the Prescription Act. In practice you can usually claim arrears from the date the order took effect. If there was never a court order, past maintenance is a different question: see our guide to retrospective maintenance claims.
Apply to the maintenance court that made the order using Form K (J306), an application for enforcement under section 26 of the Maintenance Act. The court can authorise a warrant of execution against property, an emoluments attachment order against the defaulter's salary, or an attachment of debts owed to them. Not paying maintenance is also a criminal offence under section 31.
No. It is an estimate to help you prepare. The amount recoverable is decided by the court, and the prescribed interest rate has changed several times over the years, while this calculator uses a single rate for the whole period.
Going back to court? Get your numbers right.
If the order is out of date, build a full maintenance schedule from your real expenses, with court-ready PDF and Excel exports.
Free to create. R149 per schedule to export.
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