Know your real monthly car payment in seconds
A precise installment dashboard built for professionals who value their time. Enter the amount, term and rate — see live graphs, true cost of credit, and instant side-by-side deal comparisons. No jargon, just clear numbers.
Market Search
Find the car, then model the deal
Opens a targeted listing search on AutoTrader in a new tab — bring the price back here to model it.
Your finance plan
Slide or type. Everything updates the moment you change it.
The amount you need to finance after any deposit.
How long you spread the repayments, in months.
Annual rate offered by the bank.
A lump sum kept for the end to lower monthly cost.
Monthly installment
R 13 576
Total repaid
R 879 541
Cost of credit
R 229 541
Outstanding balance over time
Where every rand goes
Alternative Evaluator
Compare two deals, side by side
Tweak the balloon, term or rate on the right and watch the monthly difference resolve instantly.
Plan A — your current plan
R 13 576/mo- Financed
- R 650 000
- Term
- 60 months
- Rate
- 11.75%
- Balloon
- 10% · R 65 000
- Total repaid
- R 879 541
Plan B — what if…
R 11 059/moTry a different vehicle price.
A longer term lowers the monthly but costs more overall.
Model a negotiated or alternative bank rate.
A bigger balloon cuts the monthly but leaves more to settle.
Monthly difference
−R 2 517
Plan B is lighter each month
Total cost difference
+R 79 179
Plan B costs more in the end
Interest difference
+R 79 179
Interest paid over the term
Built to be fast, precise and obvious
Every control reacts instantly, and every number is explained in plain language — so you can make a confident call between patients, meetings or back-to-back deals.
Live interactive graphs
Watch the outstanding balance curve down over the full term, and see exactly how much of every rand is interest versus the car itself.
The Alternative Evaluator
Place two structures side by side and adjust balloon, term or rate to reveal the true monthly and lifetime cost difference at a glance.
Straight to the market
Type a model into Market Search and jump to a targeted live listing search — then bring the price back to model your installment.
Want this fine-tuned for your numbers?
Send us your scenario and we will help you read the figures with confidence.