Free calculator ยท updated September 2026

Car finance calculator

Work out the monthly repayment on a car, with your deposit, a balloon payment and the usual bank fees. Add your take-home pay to see whether it fits your budget.

Prime is 10.75% (from 25 September 2026). Banks add a margin based on your credit record, so use the rate you're quoted.
A lump sum you still owe at the end. It lowers the monthly repayment but costs more interest.
Used to check affordability. Stays on your device.
Monthly repayment R0
Amount borrowedInterestFees
Amount borrowedR0
Total interestR0
Fees over the loanR0
Total you'll pay (incl. deposit)R0

Before you sign

  • Banks must check that you can afford the repayment under the National Credit Act, so have your latest payslips and bank statements ready.
  • Comprehensive insurance is required on a financed car. Get a quote before you choose the car.
  • A balloon payment lowers the monthly amount, but you still owe that lump sum at the end.

Read: how much car can I afford?.