All Calculators
Seven free South African finance tools — the same amortisation maths banks use, with the NCA fees most calculators ignore.
Vehicle Finance Calculator
Monthly instalment with NCA fees, balloon modelling, a live cost-breakdown chart and shareable results. The flagship.
Open the calculator →Car Affordability Calculator
Start with your monthly budget and work backwards to the maximum vehicle price you can realistically finance.
Open the calculator →Balloon Refinance Calculator
Your balloon is due. See the true cost of refinancing it — including the second initiation fee — versus settling in cash.
Open the calculator →Early Settlement Estimator
What you would owe to settle your vehicle finance today, and the interest and fees you save by doing it.
Open the calculator →Home Loan Calculator
Bond repayments with NCA fees — plus how much an extra R500 or R1,000 a month really saves over 20 years.
Open the calculator →Personal Loan Calculator
Unsecured loan instalments with the NCA rate cap check and the credit life premium most quotes hide.
Open the calculator →Transfer Duty & Bond Costs
The once-off cash you need on top of a property price, using the exact SARS 2026/27 duty brackets.
Open the calculator →