Calculator
Vehicle finance
Model repayments, total cost of ownership, and compare scenarios.
Inputs · Scenario A
Monthly repayment
R 9 311
Total interest
R 200 410
Total repaid
R 670 410
True monthly cost
R 14 311
incl. fuel + insurance
Cost over time
3 years
R 515 205
5 years
R 858 675
7 years
R 1 030 410
8 years
R 1 030 410
Scenario comparison
Scenario A
R 9 311/mo
72 months · 12.5%
Interest: R 200 410
Scenario B
R 8 423/mo
Interest: R 237 530
True monthly: R 13 423
AI guidance
Scenario A saves R 37 120 in interest. True cost is a healthy 19% of monthly income.Detailed amortisation schedule
72 months · Total paid R 670 410 · Interest R 200 410
| Year | Months | Payments | Interest | Principal | Balance |
|---|---|---|---|---|---|
| 2026 | 1–12 | R 111 735 | R 55 606 | R 56 129 | R 413 871 |
| 2027 | 13–24 | R 111 735 | R 48 174 | R 63 561 | R 350 311 |
| 2028 | 25–36 | R 111 735 | R 39 758 | R 71 977 | R 278 333 |
| 2029 | 37–48 | R 111 735 | R 30 227 | R 81 508 | R 196 825 |
| 2030 | 49–60 | R 111 735 | R 19 434 | R 92 301 | R 104 524 |
| 2031 | 61–72 | R 111 735 | R 7 212 | R 104 524 | R 0 |