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CalcLoan

Financial Planning Tools

Powerful, easy-to-use financial calculators designed for South Africans. Explore loan options, understand your repayment plans, and see how different choices could impact your finances.

Loan Optimizer

Most Popular

Compare different scenarios to find your ideal loan strategy. See how adjusting the deposit, extra payments, interest rate, and term can help you save money.

Compare multiple loan options
Calculate potential savings
Visualize your plan with charts

Payment Breakdown

Essential

See a full schedule of your payments over time. Understand exactly how much of each payment goes towards the loan principal versus interest.

View a year-by-year schedule
Chart your principal vs. interest
Gain clear financial insights

What If Scenarios

Popular

Get quick answers to common loan questions. Instantly see how small changes, like extra payments or a new rate, could affect your monthly costs.

Explore common questions easily
Visualize the impact instantly
Simple and straightforward

Need a Quick Calculation?

Use our main loan calculator for an instant estimate of your monthly payments.

How to Choose the Right Tool

Start with the Loan Optimizer if:
  • You want to find the best strategy to save money.
  • You are considering different options for your loan.
  • You want a detailed, side-by-side comparison.
Use the Payment Breakdown if:
  • You want to understand where your money is going.
  • You're curious about how interest is calculated.
  • You need a detailed schedule of your payments.
Use What If Scenarios if:
  • You have a specific question in mind.
  • You're just starting to explore your options.
  • You want a quick and simple answer.

Getting the Most from These Tools

Use Accurate Information

For the best estimates, start with the most current interest rate you can find.

Compare Different Possibilities

Test a few different strategies to see which plan best fits your financial goals.

Consult a Professional

These tools are for planning. Always confirm details with a qualified financial advisor.

Ready to Plan Your Loan?

Use our most powerful tool to explore your options and see how the right strategy could help you save.

Disclaimer: For Educational Use Only

The calculations provided by these tools are estimates intended for educational and planning purposes. They are based on standard formulas and the information you provide.

Actual loan terms, interest rates, and eligibility can vary significantly between financial institutions. This is not financial advice. Please consult with a qualified financial advisor for personalized guidance.