South African Finance Calculators ZAR
By Chuck, Finance Atlas — Updated October 2026
Every Finance Atlas calculator for South Africa, in rand. Personal loan tools apply the National Credit Act initiation and service fee caps and warn when a quoted rate exceeds the repo+21% maximum; bond and vehicle tools price off the current 10.75% prime rate as a default you can change; tax tools follow SARS PAYE tables. All 29 tools are free, need no signup, and show their working.
Personal Loans & Debt
Instalments, affordability and the NCA caps that apply.
Personal Loan Calculator
Monthly instalment with NCA initiation and service fees, the repo+21% rate-cap check and a credit life simulation on the declining balance.
Open the calculator →Personal Loan Affordability Calculator
How much you could safely borrow, worked backward from your disposable income with a built-in buffer.
Open the calculator →Debt Consolidation Calculator
Combine debts into one loan and see the monthly relief — and whether a longer term costs you more.
Open the calculator →Debt-to-Income Ratio Calculator
Your DTI as lenders see it, across all monthly commitments.
Open the calculator →Early Settlement Calculator
Settle a loan early under the NCA and see the interest saved and the capped settlement fee.
Open the calculator →Debt Review Calculator
What debt review restructuring does to your monthly repayment and total cost.
Open the calculator →Store Credit Calculator
The real cost of a store card at the capped retail credit rate.
Open the calculator →Loan Settlement Quote Checker
Check a lender's early-settlement quote against the NCA rules.
Open the calculator →Home Loans & Bonds
Bond repayments, costs and early payoff.
Bond Repayment Calculator
Monthly bond instalment at any rate, with transfer and bond registration costs.
Open the calculator →Bond Affordability Calculator
The bond your income could support, including the expenses lenders deduct.
Open the calculator →Extra Payment Calculator
What an extra monthly amount saves in interest and years on your bond.
Open the calculator →Bond Settlement Calculator
Discharge costs and the figures you need when selling or settling.
Open the calculator →Bond Switching Calculator
Whether moving your bond to a new lender pays for its own registration costs.
Open the calculator →Bond vs Rent Calculator
The full cost comparison — including rates, levies and investment of the difference.
Open the calculator →Transfer Cost Calculator
Transfer duty, bond registration fees and the total cost of buying.
Open the calculator →Refinance Break-Even Calculator
How long a lower refinance rate takes to pay back its costs.
Open the calculator →Vehicle Finance
Instalments, balloons and the true cost of a car.
Vehicle Finance Calculator
Monthly instalment with deposit, balloon and insurance built in.
Open the calculator →Vehicle Affordability Calculator
The car price your budget supports after insurance and running costs.
Open the calculator →Balloon Payment Impact Calculator
What a balloon does to monthly payments and total interest.
Open the calculator →Balloon Refinance Calculator
Refinance a maturing balloon over a new term and see the compounding cost.
Open the calculator →Total Cost of Ownership Calculator
Depreciation, fuel, insurance and service — the real cost per month.
Open the calculator →Trade-In Equity Calculator
Positive or negative equity when you trade in a financed car.
Open the calculator →Tax & Income
Take-home pay, credit life and retirement.
Take-Home Pay Calculator
Net salary after PAYE, UIF and retirement fund contributions.
Open the calculator →Credit Life Insurance Calculator
The capped premium lenders can charge per R1,000 of cover.
Open the calculator →Retirement Savings Calculator
Projected retirement income from your current savings rate.
Open the calculator →TFSA Calculator
Tax-free savings growth inside the annual contribution limit.
Open the calculator →Savings & Planning
Compound growth and an emergency buffer.
Compound Interest Calculator
Growth of a lump sum with monthly deposits at your chosen rate.
Open the calculator →Emergency Fund Calculator
The buffer your expenses need, and how long it takes to build.
Open the calculator →Budget Calculator
A 50/30/20 breakdown of your income with the percentages that matter.
Open the calculator →Frequently Asked Questions
Where do I start with a personal loan?
Use the Personal Loan Calculator to price the instalment first — it includes the NCA-capped initiation and monthly service fees and a credit life simulation, so the number matches what a lender will actually put in front of you. Then check the Personal Loan Affordability Calculator before you commit, so the amount fits your budget rather than the bank's.
Do the vehicle calculators include balloon payments?
Yes. The Vehicle Finance Calculator handles deposits, balloons and insurance; the Balloon Impact Calculator isolates what the balloon costs you in interest; and the Balloon Refinance Calculator shows the true cost of rolling a maturing balloon into a new loan.