Vehicle Finance Calculators
Everything you need to price, stress-test and settle a car deal in South Africa. Each tool uses the standard amortisation maths banks use and includes the NCA initiation and service fees most online calculators leave out.
Vehicle Finance Calculator
Monthly instalment with NCA fees, balloon modelling, a live cost-breakdown chart and a shareable quote link. The flagship tool.
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 →Balloon Impact Visualiser
See exactly how a bigger balloon lowers your instalment but raises total interest — and the lump sum waiting at the end.
Open the calculator →Refinance Break-Even Calculator
Is settling your current deal and refinancing at today's rate actually worth it? Find the break-even month.
Open the calculator →Vehicle Finance Guides
Plain-language explainers to go with the tools.
Fixed vs Linked Interest Rates
Which rate type suits your budget, and what each costs when the SARB moves.
Balloon Payments Explained
What a balloon really costs, who the bank approves them for, and the three exits when it's due.
Vehicle Finance Requirements
What banks check, what you need to qualify, and how to improve your odds.
Trading In a Car You Still Owe On
How settlement, equity and shortfalls work when you trade in mid-finance.
Questions
Which vehicle finance calculator should I use first?
Start with the main Vehicle Finance Calculator to price a specific car, or the Car Affordability Calculator if you only know your monthly budget. If you already have finance and your balloon is due, use the Balloon Refinance Calculator or Early Settlement Estimator.
Do these calculators include NCA fees?
Yes. Every vehicle finance tool includes the NCA once-off initiation fee (R1,207.50, capitalised into the loan) and the R69 monthly service fee, which many online calculators omit.