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CalcLoan

Financial Planning Tools

Powerful, easy-to-use financial calculators designed for South Africans. Explore loan options, understand your repayment plans, and see how different choices could impact your finances.

Loan Optimizer

Most Popular

Compare different scenarios to find your ideal loan strategy. See how adjusting the deposit, extra payments, interest rate, and term can help you save money.

Compare multiple loan options
Calculate potential savings
Visualize your plan with charts

Payment Breakdown

Essential

See a full schedule of your payments over time. Understand exactly how much of each payment goes towards the loan principal versus interest.

View a year-by-year schedule
Chart your principal vs. interest
Gain clear financial insights

What If Scenarios

Popular

Get quick answers to common loan questions. Instantly see how small changes, like extra payments or a new rate, could affect your monthly costs.

Explore common questions easily
Visualize the impact instantly
Simple and straightforward

Store Account vs Loan

New

Compare the total cost of paying off a store account against a personal loan at the same balance and term. Neutral, side-by-side numbers to help you decide.

Compare store account vs personal loan costs
See a month-by-month cost chart
Get neutral, side-by-side numbers

Affordability Calculator

New

Enter your gross monthly income and existing debt to see an illustrative maximum monthly instalment and loan amount for South African borrowers.

Work from your gross monthly income
Account for existing debt commitments
See an illustrative maximum loan amount

Early Settlement Calculator

New

Estimate the cost of settling your loan early, including the maximum NCA early settlement penalty, compared against your remaining scheduled payments.

Estimate your early settlement cost
Includes the NCA settlement penalty
Compare against scheduled payments

Stokvel vs Loan Comparison

New

Work out how many months until your stokvel payout, and what it could cost to bridge the cash gap with a loan in the meantime.

Use your own stokvel numbers
See your payout timing
Compare against loan bridging costs

Is My Rate Legal?

New

Compare a quoted interest rate against the National Credit Act Regulation 42(1) Table A maximum for your credit type — mortgage, personal loan, short-term, and more.

Covers all 7 NCA credit categories
Shows the repo-rate-linked maximum
Clear within/above limit comparison

Access Bond Optimizer

New

Compare the untaxed interest an access bond saves you against what an investment would earn after tax, including the SARS annual interest exemption.

Bond saving vs after-tax investment return
Accounts for your interest exemption headroom
Shows the break-even investment return

Two-Pot vs Loan

New

Compare the marginal-rate tax cost of a two-pot retirement savings withdrawal against the interest and fees on a loan for the same amount in hand.

Uses verified SARS tax brackets
Accounts for bracket-spanning withdrawals
Reuses the standard loan cost engine

Debt Payoff Planner

New

List your debts and monthly budget, then compare snowball (smallest balance first) against avalanche (highest interest first) — side by side, calculated entirely in your browser.

Debt-free date and total interest for both orders
Add as many debts as you need
Nothing is ever saved or sent anywhere

Embed a Calculator

New

Add a free, working loan calculator to your blog, dealership, or estate agency site with one line of HTML.

Free, no signup or API key
Copy-paste iframe snippet
Bond, personal loan, or car finance

Need a Quick Calculation?

Use our main loan calculator for an instant estimate of your monthly payments.

How to Choose the Right Tool

Start with the Loan Optimizer if:
  • You want to find the best strategy to save money.
  • You are considering different options for your loan.
  • You want a detailed, side-by-side comparison.
Use the Payment Breakdown if:
  • You want to understand where your money is going.
  • You're curious about how interest is calculated.
  • You need a detailed schedule of your payments.
Use What If Scenarios if:
  • You have a specific question in mind.
  • You're just starting to explore your options.
  • You want a quick and simple answer.

Getting the Most from These Tools

Use Accurate Information

For the best estimates, start with the most current interest rate you can find.

Compare Different Possibilities

Test a few different strategies to see which plan best fits your financial goals.

Consult a Professional

These tools are for planning. Always confirm details with a qualified financial advisor.

Ready to Plan Your Loan?

Use our most powerful tool to explore your options and see how the right strategy could help you save.

Disclaimer: For Educational Use Only

This is an estimate only, not financial or tax advice, and we are not a financial services provider (FSP). Your actual figures depend on your lender or provider, and your personal circumstances. Actual loan terms, interest rates, and eligibility can vary significantly between financial institutions.