Loan calculators & tools
- Personal Loan Calculator: Work out your monthly personal loan repayment in rand, including interest, the NCR initiation fee and monthly service fee. Free, no sign-up.
- Payday Loan Cost Calculator: See the full cost of a short-term or payday loan in South Africa, including the 5% monthly interest cap, initiation fee and service fee.
- How Much Can I Borrow?: Estimate how much you can afford to borrow in South Africa based on your take-home pay, expenses and existing debt, using NCA affordability logic.
- Debt Consolidation Calculator: Compare your current debts with one consolidation loan. See the new monthly payment and whether you'd save or pay more overall.
- Home Loan (Bond) Calculator: Calculate your monthly bond repayment in South Africa from the purchase price, deposit, interest rate and term (20 or 30 years).
- Car Finance Calculator: Estimate monthly vehicle finance repayments in South Africa, including deposit and balloon (residual) payment.
- Debt-to-Income Ratio Checker: Check your debt-to-income ratio, one of the key numbers South African lenders look at, and see what it means for new credit.
- Loan Comparison Tool: Compare up to three loan offers side by side (rate, term and fees) to find the cheapest total cost, not just the lowest instalment.
- Early Payoff Calculator: See how much interest and time you save by paying extra on a South African loan or bond each month.