All Finance Calculators
Free South African finance calculators — personal loans, home loans, vehicle finance, and credit life. Every tool includes NCA fee caps, prime-linked rates, and the credit life premium most quotes hide.
Personal Loans
Unsecured loan instalments, NCA rate caps, and credit life costs.
Personal Loan Calculator
Unsecured loan instalments with the NCA rate-cap check and a month-by-month credit life simulation.
Open the calculator →Personal Loan Affordability
How much you could safely borrow, worked out 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 Snowball Calculator
List your debts and an extra payment to see your debt-free date and the interest you save.
Open the calculator →Debt-to-Income Ratio Calculator
The affordability ratio lenders use under the NCA — see whether yours is healthy, manageable or high.
Open the calculator →Personal Loan Early Settlement New
Settle a personal loan early and see the interest you save, with the NCA early-settlement rule.
Open the calculator →50/30/20 Budget Calculator
Split your take-home pay into needs, wants and savings, and compare it with what you actually spend.
Open the calculator →Store Credit Account Calculator New
Monthly instalment, total cost and total interest on a typical retailer-issued revolving credit account, NCA fees included.
Open the calculator →Home Loans
Bond repayments, affordability, transfer costs, and refinancing.
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 →Bond Affordability Calculator
What price property you can afford, worked out from your income, deposit and monthly costs.
Open the calculator →Extra Payment Bond Calculator New
See exactly how much interest you save and how many years you cut by paying extra into your bond each month.
Open the calculator →Bond Early Settlement Calculator New
Settle your home loan early and see the settlement amount, the NCA-capped fee, and the interest you save.
Open the calculator →Bond vs Rent Calculator
Buy or keep renting? The honest invest-the-difference comparison.
Open the calculator →Bond Switching Calculator
Is refinancing to a lower rate worth it after switching costs?
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 →Refinance Break-Even Calculator
How many months it takes for switching costs to pay off — and whether the lower rate is worth it.
Open the calculator →Vehicle Finance
Car finance with NCA fees, balloon payments, and prime-linked rates.
Vehicle Finance Calculator
Estimate your monthly car instalment including NCA initiation and admin fees, balloon payments, deposits and prime-linked interest rates.
Open the calculator →What Car Can I Afford?
Start with your monthly budget and work backwards to a maximum vehicle price.
Open the calculator →Trade-In Equity Calculator New
See if your car's trade-in value covers your settlement — or if you'll be underwater when you trade in.
Open the calculator →Total Cost of Ownership New
The real cost of owning a car — finance, fuel, insurance, maintenance, and depreciation over the full term.
Open the calculator →Balloon Payment Impact
See exactly how a balloon changes your monthly instalment — and what it really costs over the full term.
Open the calculator →Balloon Refinance Calculator
Your balloon is due; see the true cost of refinancing it versus settling in cash.
Open the calculator →Early Settlement Estimator
What you'd owe to settle your current vehicle finance today, and the interest you'd save.
Open the calculator →Credit Life
The NCA-capped insurance premium most loan quotes hide.
Tax, Retirement & Debt Review
Take-home pay, retirement projections, debt review — the numbers behind every budget decision.
Take-Home Pay Calculator New
See your income tax, UIF and net pay using current SARS 2025/26 brackets and age rebates.
Open the calculator →Retirement Savings Calculator New
Project your retirement pot, monthly income, and the SARS s11F tax deduction benefit on your contributions.
Open the calculator →Debt Review Calculator New
Estimate your restructured monthly payment, rough timeline, and an over-indebtedness check under NCA Section 86.
Open the calculator →Compound Interest Calculator New
See how a starting amount plus monthly contributions grow over time at any return rate, with a year-by-year growth table.
Open the calculator →Emergency Fund Calculator New
Work out how big your emergency fund should be, how long it'll take to build it, and how close you are today.
Open the calculator →TFSA Calculator New
Project your tax-free growth, track your R46,000 annual and R500,000 lifetime contribution limits, and flag any over-contribution penalty.
Open the calculator →Why Finance Atlas?
NCA-compliant calculations
Every calculator includes the National Credit Act initiation fee, monthly service fee, and — for unsecured credit — the credit life cap. No other free SA calculator shows all three.
Real-time, no signup
Sliders update instantly. No email signup, no "get a quote" funnel. You see the numbers, you leave. That's it.
Rate-cap check
The personal loan calculator flags any rate above the legal NCA maximum (repo + 21%). If your quote is higher, it's illegal.
Shareable URLs
Every calculator can copy a link to the exact scenario you're looking at. Send it to your partner, your broker, or yourself.