The National Credit Act caps what South African lenders may charge - the interest rate, the initiation fee and the R69 monthly service fee - and these calculators work inside those caps. See what a car, a personal loan or a credit card balance really costs over its term, and whether consolidating or paying debt before saving comes out ahead. If you are already behind, the garnishee, prescription and debt review ones show where you stand.
All 12 loans and debt calculators
- Car finance calculatorMonthly car repayment in South Africa with a balloon payment, deposit and the NCA-capped bank fees (R1 207.50 initiation, R69 a month).
- Personal loan calculatorPersonal loan repayment in South Africa with the initiation fee, R69 service fee and the National Credit Act maximum interest rate (repo + 21%).
- Credit card repayment calculatorCredit card repayment calculator for South Africa: how many months to pay off your balance, the interest and R69 service fees on the way, at up to the NCA maximum of repo + 14%.
- Pay off debt or save calculatorShould you pay off debt or save? Compare putting spare cash into your personal loan, credit card or bond against saving it - in rands, South African rates.
- Interest on arrears calculatorInterest on arrears calculator for South Africa: interest on late payments at the prescribed rate of interest (repo + 3.5%), with the in duplum rule that stops interest at the capital.
- Garnishee order calculatorGarnishee order calculator: the most an emoluments attachment order can take from your salary in South Africa - 25% of basic salary for all orders together (Magistrates' Courts Act s65J) - and how long it runs.
- Prescribed debt calculatorPrescribed debt calculator for South Africa: whether an old debt has prescribed under the Prescription Act 68 of 1969 - 3 years for most debts, 6, 15 or 30 for others - and the date it does.
- Loan interest rate calculatorLoan interest rate calculator for South Africa: the real interest rate on a car loan, personal loan, store account or bond from the amount, monthly repayment and term - nominal and effective, against prime.
- NCA interest and fee limits calculatorNational Credit Act maximum interest rate and fees calculator: the legal cap for personal loans (repo + 21%), credit cards (repo + 14%), home loans, short-term loans and car finance, the R1 207.50 initiation fee and R69 service fee - is your loan legal?
- Car affordability calculatorCar affordability calculator for South Africa: the most car your monthly instalment buys at prime 10.75%, with a deposit, balloon and the NCA-capped bank fees (R1 207.50 initiation, R69 a month).
- Debt consolidation calculatorDebt consolidation calculator for South Africa: roll credit cards, store cards and loans into one loan - the new monthly payment, the total cost against paying as you do now, with National Credit Act fees and rate cap.
- Debt review fees calculatorDebt review fees calculator: what debt counselling costs on the NCR fee guideline - R50 application, R300 admin, restructuring fee up to R8 000 and 5% aftercare up to R450 a month.
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