Net Change in Debt
How much your total borrowing increased or decreased. Positive means you borrowed more, negative means you paid down loans.
- How it's worked out
- New Borrowings − Loan Repayments
- Which way is better
- Read it in contextNeither higher nor lower is better on its own. Read it alongside the measures around it.
Written by Mandy Walker, founder of Focus on Cash. Updated October 2026. This explanation comes from the glossary inside Focus on Cash, so it matches the words you see in the app.
Related measures
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