What car can I afford?
Use this calculator to estimate the maximum vehicle price you could afford based on your income, expenses, and deposit. A useful starting point before browsing listings.
Affordability calculator
R
R10 000R300 000
R
R5 000R100 000
R
R0R500 000
Loan term (months)
%
You could afford a car up to
R327 651
Max monthly payment
R7 000
Finance amount
R307 651
Est. insurance
R1 311 – R2 621
Total monthly cost
R8 311 – R9 621
Based on 35% of disposable income allocated to vehicle costs. Actual affordability depends on your full financial profile. Prime rate 10.75% (South African Reserve Bank, effective 25 September 2026; checked 27 September 2026).
Next steps in your buying journey
Here's what else is worth checking before you commit.