Budgeting Conversations

Learn about key concepts and ways you can manage your money better with our featured articles.

Why are home loans good debt?

Why are home loans good debt?

Debt has a bad reputation – which it doesn’t deserve, because not all debt is created equal. 

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Manage my debt.

Manage my debt.

In 2024, South African consumers undergoing debt review (also called debt counselling) were reportedly liable for almost R100 billion in debt, paying back about R15 billion each year. 

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Debt Management Conversations

Learn about key concepts and ways you can manage your money better with our featured articles.

Get a clear picture of what’s possible with our easy-to-use calculators. Whether you're planning ahead or ready to take the next step, our tools help you estimate:

  • Monthly repayments based on your loan amount and term
  • Total repayment costs, including interest, fees, and insurance
  • Affordability insights to guide your financial decisions

Start calculating now to see what you can afford and what to aim for.

Use our loan calculators to see what works for you

See if you can afford the loan you want, with details on fees and insurance, and what you’ll pay in interest over the full loan term.
How much do you want to borrow?
R
What’s your preferred repayment term?

  • 6
  • 12
  • 24
  • 36
  • 48
  • 60
  • 72
Include insurance in your repayment tooltip text
How much you’ll pay back each month tooltip text

R0.00

How much you’ll pay back in total tooltip text

R0.00

Example interest rate tooltip text

10.50%

28.0%

On average, South Africans will pay interest of 18.25% to 25.75%. We’ll offer you an interest rate based on your payment history and risk profile.

Combine your loans into 1 and pay less each month with a fixed interest rate and 1 monthly repayment. You can even apply for extra cash if you need it.
Loan 1 details
What type of loan is it?
Amount you still owe tooltip text
R
Loan 2 details
Remove
What type of loan is it?
Amount you still owe tooltip text
R
Loan 3 details
Remove
What type of loan is it?
Amount you still owe tooltip text
R
Add another loan
Add another loan
Remove
This is another personal loan that will be added
How much do you need? tooltip text
R
Get extra cash
What’s your preferred repayment term?

  • 6
  • 12
  • 24
  • 36
  • 48
  • 60
  • 72
Include insurance in your repayment tooltip text
Total amount

R2000

R300000

How much you’ll pay back each month tooltip text

R0.00

How much you’ll be saving tooltip text

A single, easy to manage instalment will mean you spend less each month on fees.

Example interest rate tooltip text

8.25%

25.75%

On average, South Africans pay interest of 18% to 25.75%. We’ll offer you an interest rate based on your payment history and risk profile.