🇿🇦 South Africa · Affordability
Prime rate ~10.5% · Plan before you commit
Home/Affordability/Car Affordability Calculator
Affordability

Car Affordability Calculator

Work out the car repayment and price your budget can handle

Car

How much car can I afford?

Find a repayment that fits your budget

R
%
R
%
%
Car price you can afford
R0
including deposit
R0Monthly
Your car budget
Affordable monthly repaymentR0
Loan amount supportedR0
Plus balloon (paid at end)R0
Plus deposit / trade-in+R0
✓ Total car priceR0
⚠Remember insurance, fuel, tyres and services on top. A balloon lowers your monthly but leaves a large lump sum owing at the end.
Smart car buying
→Keep repayments under 15% of gross income.
→Total car cost (repayment + insurance + fuel) under 25%.
→Avoid balloon payments if you can — they cost more long-term.
→A bigger deposit reduces interest paid over the term.
Related / Affordability Tools
Affordability

Home Affordability

How much house you can afford on your salary.

Open →
Affordability

Rent Affordability

How much rent you can comfortably pay.

Open →
Affordability

Lifestyle Affordability

See if your lifestyle fits your income.

Open →
Learn more / Guides
Guide

How Much Car Can I Afford in South Africa?

Read guide →
Guide

What Car Can I Afford on My Salary?

Read guide →
Guide

The True Cost of Owning a Car in South Africa

Read guide →