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Free money tools

Work out what a loan would cost, whether it fits your budget, and whether the lender is who they say they are. All free, with no sign-up.

Loan calculator

Estimate monthly repayments and the total cost in Rand, based on the limits set by the National Credit Act.

Open the calculator

Budget planner

Add up your income and spending to see what’s left each month, and whether a repayment would really fit.

Open the budget planner

Lender check

Check a lender’s name, NCR number or website against the NCR register and the warning signs of a loan scam.

Check a lender

Using the tools together

  1. Check the lender. Before you share any details, make sure the lender is registered with the NCR.
  2. Work out the cost. Use the loan calculator to see the monthly repayment and total cost at the maximum legal rates.
  3. Test it against your budget. Put that repayment into the budget planner to make sure you’ll still have a buffer each month.

Want to know more first? Our borrowing guides explain how short-term credit works in South Africa.