Loan calculator
What will my bond or car cost me?
Move the sliders and watch the monthly instalment and the total cost change.
Purchase priceR 1 500 000
Deposit10% (R 150 000)
Interest rate (per year)10.75%
Starts at the prime rate, 10.75% (updated October 2026). Your own rate may be higher or lower.
Term20 years
What it costs
Monthly instalment
R 13 706
Amount you borrow
R 1 350 000
Interest you pay
R 1 939 342
Paid to the lender in total
R 3 289 342
Total cost including deposit
R 3 439 342
Excludes fees, insurance and, for a home, transfer and bond registration costs. Your lender's quote is the number that counts.
Financial education, not financial advice. Money-Sense does not recommend any product and nothing here is personalised advice. Results depend on the figures you enter and on assumptions that can change. Speak to an authorised financial services provider before you make a financial decision.