Loan Repayment Calculator
Calculate monthly repayments, total interest and view an amortization schedule â in South African Rand.
Loan Details
R
%
Current SA prime rate: ~11.75% (2026)
= 5 years
Results
Monthly Payment
â
Total Repayment
â
Total Interest
â
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PMT Formula
Monthly payment = P Ã r / (1 â (1+r)^ân) where r = monthly rate and n = number of months.
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NCA Compliance
All credit in SA is governed by the National Credit Act (NCA). Ensure any lender is NCR-registered.
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Tip: Extra Payments
Even small additional monthly payments significantly reduce total interest over the life of a loan.