BUSINESS / FREE CALCULATOR

Business loan calculator

Budget a fixed-rate business loan, fees and total repayments.

Method and references reviewed 5 November 2026

YOUR NUMBERS

Let’s work it out.

Calculated on your device. Save a copy only when you choose.

A CLEARER PICTURE

Planned monthly repayment

R 5 561,11

Final payment may be smaller · constant-rate monthly amortisation

Amount financed: R 250 000,00
Standard instalment before fees: R 5 561,11
Months saved: 0
Interest saved: R 0,00

See the full breakdown

ESTIMATE · NOT A QUOTATION

Save this scenario, then change your inputs to compare the results.

BEHIND THE NUMBER

Your calculation, unpacked.

Amount financed: R 250 000,00
Standard instalment before fees: R 5 561,11
Months saved: 0
Interest saved: R 0,00
Total interest: R 83 666,78
Total payments including financed fee: R 333 666,78
Final payment: R 5 561,29

UNDERSTAND THE TRADE-OFFS

Small changes.
Different possibilities.

Try changing one input at a time. Compare the total cost, as well as the monthly number.

View repayment schedule · 60 payments

Payments, interest and remaining balance. Fees include ongoing insurance.
Payment	Date	Total paid	Principal	Interest	Fees	Balance
1	—	R 5 561,11	R 3 061,11	R 2 500,00	R 0,00	R 246 938,89
2	—	R 5 561,11	R 3 091,72	R 2 469,39	R 0,00	R 243 847,17
3	—	R 5 561,11	R 3 122,64	R 2 438,47	R 0,00	R 240 724,53
4	—	R 5 561,11	R 3 153,86	R 2 407,25	R 0,00	R 237 570,67
5	—	R 5 561,11	R 3 185,40	R 2 375,71	R 0,00	R 234 385,27
6	—	R 5 561,11	R 3 217,26	R 2 343,85	R 0,00	R 231 168,01
7	—	R 5 561,11	R 3 249,43	R 2 311,68	R 0,00	R 227 918,58
8	—	R 5 561,11	R 3 281,92	R 2 279,19	R 0,00	R 224 636,66
9	—	R 5 561,11	R 3 314,74	R 2 246,37	R 0,00	R 221 321,92
10	—	R 5 561,11	R 3 347,89	R 2 213,22	R 0,00	R 217 974,03
11	—	R 5 561,11	R 3 381,37	R 2 179,74	R 0,00	R 214 592,66
12	—	R 5 561,11	R 3 415,18	R 2 145,93	R 0,00	R 211 177,48

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THE WORKINGS

How this calculation works

Finance the cash loan plus the entered initiation fee and amortise monthly at the entered annual rate. Add recurring service costs and compare extra payments with the standard schedule.

A worked example

At zero interest, R120 000 over 24 months costs R5 000 monthly before fees.

Assumptions & limitations

This models a standard amortising loan, not an overdraft, asset lease, revolving facility or interest-only business loan. No tax deduction or VAT recovery is assumed. Enter all fees as the amount actually paid.

Read a little further.

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Know when to add VAT, when to divide it out, and what a calculation cannot tell you.

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