Does the repayment fit your month?

Take a simple look at what comes in, what goes out, and what stays available for the unexpected. The starting values are examples.

Your monthly budget

Include regular costs and room for the unexpected.

Monthly take-home incomeWhat arrives in your account after deductions.Essential living expensesHousing, food, transport, utilities and dependants.Existing debt repaymentsLoans, cards, store accounts and other commitments.Savings & unexpected costsChoose a buffer that works for your circumstances.Proposed new repaymentInclude the loan’s fees and insurance.

Left after your new repaymentR 1 500

A little room to breathe.

This is what remains after your expenses, debts, chosen buffer and the new repayment. Check whether your costs vary month to month.

Before new repayment: R 3 000
Proposed repayment: R 1 500

Explore repayment costsThis is a budgeting exercise, not a lender affordability assessment or financial advice.

Private by design. These values stay in memory and disappear when you leave or reload.

Enable JavaScript to use the budget tool. Subtract essential spending, debts, savings and the proposed repayment from your take-home income. Find support if the result is negative.

A useful check, not a lending decision

Your costs can vary. Include annual expenses as monthly amounts, think about irregular income and choose a buffer that reflects your circumstances. Positive headroom does not establish eligibility or guarantee that credit is suitable.

If the result is tight or negative, consider reducing the expense, waiting, or speaking to your existing lenders. Our support page explains where to start.