Loan Affordability Calculator
Find out how much you can afford to borrow based on your income, expenses, and existing debt commitments.
Your Financial Details
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Groceries, utilities, transport, etc.
Enter your income & expenses
We'll calculate the maximum you can responsibly borrow.
How does loan affordability work in South Africa?
Under the National Credit Act (NCA), South African lenders are legally required to conduct an affordability assessment before granting credit. They must verify your income, calculate your net disposable income (NDI), and ensure the new loan repayment is affordable after all existing obligations.
The industry standard is a debt-to-income (DTI) ratio of no more than 35–45%, meaning total monthly debt repayments should not exceed 35–45% of your net income. Banks may apply stricter limits depending on the product type and loan size.
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Rates are indicative and subject to change without notice. Finance EzyFind is a free comparison and matching service — not a lender or credit provider. All lending is subject to the National Credit Act (NCA). Please borrow responsibly.
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