Stage 6 · IPA Tracker
Your Income Payments Agreement
Track your IPA, prep for annual review and report income changes.
Monthly payment
£0
Months remaining
36 mo
Paid to date
£0
Left to pay
£0
IPA progress
Month 0 of 360%
Approximately 36 months until your IPA ends. You can report income changes below.
Annual review preparation
Your OR reviews your IPA every year. Be ready with these.
- Gather latest 3 months of payslips
- Compute new monthly surplus using the SFS framework
- Note any new dependent childcare costs
- Prepare evidence of any income drops
- Notify the OR within 21 days of any change
Report an income change
Tell your OR about income changes as soon as they happen. We log your report; you communicate it to your OR.
When your IPA ends
- You will be notified in writing once your IPA officially ends.
- Direct debits for IPA payments are cancelled automatically by the OR.
- Outstanding debts written off by your bankruptcy are fully discharged.
- Bankruptcy restrictions (directorship, £500 credit disclosure) lift on discharge — separate from the IPA end.
- Continue rebuilding credit using the post-discharge guide.