Know if the car still fits your life.
I wanted a simple place to calculate the financials on a car payment, balloon, what's left after real life costs. Also I want a BMW. This is me checking whether that's ambition or denial.
<how-it-works>
Three inputs. A clearer picture.
Standard amortisation with the balloon due at the end of the term. Compare scenarios before you talk to a dealer the same workflow I use when a new quote lands.
// 01
Enter the deal
Price, deposit, rate, term, and balloon plus optional bank fees if you have them.
// 02
Layer your budget
Add take-home pay, expenses, insurance, and running costs so leftover cash is honest.
// 03
Stress-test early exit
Pick a trade-in month and expected resale to see what you'd still owe versus what the car is worth.
AAdealdealonlyonlyworksworksififthethemonthlymonthlypaymentpaymentstillstillleavesleavesyouyouroomroomtotolive.live.
<calculator>
Run your numbers
Adjust the deal and budget. Results update instantly and stay on this device.
Left each month after the car
R22,276
Above your R3,000 minimum.
- Expenses R7,500
- Insurance R2,500
- Finance R7,724
- Left over R22,276
- Monthly finance payment
- R7,724
- Balloon due at month 60
- R60,000
- Owed if you trade at month 24
- R283,881
- Paid so far
- R185,376
- of which interest
- R69,256
- Car worth then (estimate)
- R280,000
- You would still owe after selling
- R3,881
<dealer-message>
Message a dealer
Your deal, turned into a WhatsApp-ready note. Tweak the numbers - this updates with them.
The car
Bank fees (optional)
Added to the loan
Added to each payment
Your monthly budget
Rent, groceries, subscriptions
Fuel, tyres, service
Results turn amber below this
Trading it in
What you think it will fetch at that point
Compare options
Left each month, at 10% interest. Left each month after expenses, insurance, running costs and the payment.
| Price | 60 months | 72 months | 84 months | |||
|---|---|---|---|---|---|---|
| 15% balloon | 35% balloon | 15% balloon | 35% balloon | 15% balloon | 35% balloon | |
| R380k | ||||||
| R400k | ||||||
| R420k | ||||||
| R450k | ||||||
- R3,000 or more left
- Under R3,000
- Doesn't fit budget
Tap any cell to load it into the calculator above.
Standard amortisation with the balloon at the end of the term. Real quotes may differ fees, VAT, rate methods so treat these as estimates while you chase that BMW dream.
<notes>
A few notes
Built to run the numbers on a car deal mostly so I can keep telling myself that BMW is still on the table.
Why does this exist?
I just wanted to calculate the financials myself payment, leftover cash, balloons, the lot. Also I want a BMW. This is how I’m trying to see if that’s a plan or a cry for help.
Is this a quote from a bank?
No. It’s a quick estimate so you can play with numbers before talking to anyone in a suit.
What does “left over” mean?
Take-home pay minus expenses, insurance, running costs, and the finance payment. Colours flag when you’re under your minimum buffer.
What is the compare grid for?
Scan payments, leftover cash, settlement, or equity across prices, rates, terms, and balloons. Tap a cell to load it into the calculator.