Financial Tools
Affordability Calculator
Estimate a home loan or vehicle finance amount from your monthly income, existing debt payments and living costs. Results are indicative, not lender approval.
Estimate affordability
Monthly Income
Monthly Obligations
Enter your existing debt payments and living costs
Loan Parameters
Your Debt-to-Income Ratio
Disposable Income
R 20 000
Total Existing Debt
R 0
Indicative finance estimate
R 1 069 635
home loan amount
Monthly Payment
R 10 500
Interest Rate
10.25%
Total Repayment
R 2 520 000
Total Interest
R 1 450 365
New DTI with this bond: 30%. Lenders use their own affordability criteria; this tool cannot confirm approval.
Assumptions and limits
Calculation basis: Uses amortisation formulas and the displayed assumptions, including an illustrative reference rate of 10.25%.
Disclaimer: This calculator provides an indicative estimate only. Lenders apply their own affordability and approval criteria.
- Calculate what you can afford based on your real income and expenses
- Based on South African lending guidelines and the NCA
- See your maximum home loan or car finance amount
- Understand your debt-to-income ratio instantly