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YOUR PRIVACY MATTERS

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CARS & TRANSPORT / FREE CALCULATOR

Car affordability calculator

Find a car price that fits your monthly finance budget.

Method and references reviewed 5 November 2026
YOUR NUMBERS

Let’s work it out.

Download
R
R
R
%
Editable scenario, not a guaranteed return or a market quote.
Equivalent to 60 months. Repayments are monthly.
%
Editable scenario, not a guaranteed return or a market quote.
R
R

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

A CLEARER PICTURE

Estimated maximum car price

R 238 160,31

Rounded down · lender approval and a final balloon payment are separate

Amount financed
R 208 160,31
Regular finance payment before service fee
R 4 500,00
Monthly finance budget after running costs
R 4 500,00
Final balloon amount
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 208 160,31
Regular finance payment before service fee
R 4 500,00
Monthly finance budget after running costs
R 4 500,00
Final balloon amount
R 0,00
Deposit
R 30 000,00
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.

THE WORKINGS

How this calculation works

Subtract running costs and finance service fees from the monthly budget. Solve the balloon amortisation formula for the maximum vehicle price, accounting for your deposit and financed fee, then round down to cents.

A worked example

With R1 000 available for finance, 12 months at 0%, no deposit or balloon, the maximum price is R12 000.

Assumptions & limitations

  • This is a budget estimate, not credit approval. The balloon is still due at the end. Your deposit cannot be borrowed again in this model. Finance rates stay constant; affordability checks and lender balloon limits may differ.
KEEP EXPLORING

Another piece of the picture.

Vehicle financeFuel & travel costsBalloon payment

Read a little further.

Loans & credit5 MIN READ

Understanding vehicle balloon payments

A smaller monthly instalment comes with a larger decision at the end.

Read the guide