Yenza izinqumo zokuboleka unolwazi ngezibali zethu zezikweletu zamahhala, ezisobala.
Bala izinkokhelo zenyanga zesikweletu, izindleko zenzalo eyonke, ubuke uhlelo olugcwele lokukhokha. Qhathanisa izinhlelo zenkokhelo ezilingana nezehla ngezihlangothimbili. Khipha imiphumela yakho ku-PDF ngokucofa kanye.
Hlela ukuthenga kwakho kwendlu ngokusetshenziswa okugcwele kwezindleko zemorgeji, kuhlanganisa izindleko zenotari, umshwalense, nentela yokudluliswa kwempahla. Thola kahle ukuthi iyiphi iholo eniyidingayo. Uhlelo olugcwele lokukhokha luhlotshisiwe.
Bala inkokhelo yakho yenyanga yokuqashwa usebenzisa izindlela ze-EU (balloon annuity) noma ze-US (money factor). Kuhlanganisa inkokhelo ephansi, inani elisasele, nokwehlulwa kwezindleko eziphelele. Qhathanisa izindlela zombili ngezihlangothimbili ukhiphe ku-PDF.
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izibali
Taking a loan or a mortgage is one of the most significant financial decisions you can make. Our credit calculators are designed to eliminate the guesswork. From personal loans to 30-year mortgages, we provide detailed amortization schedules and real cost breakdowns so you know exactly what you are signing up for.
Igxathu emvakwe gxathu
Enter your loan amount, interest rate, and repayment term. Our engine instantly calculates your monthly payment, total interest cost, and generates a full amortization schedule showing the exact principal-to-interest ratio for every single month. Compare annuity and decreasing payment plans side by side to choose the best option for your budget.
Azikho izindleko ezifihliwe
Sikholelwa ukuthi amathuluzi okufunda ngezezimali kufanele afinyeleleke kuwo wonke umuntu kungakhathaliseki ukuthi uhola malini. I-CalcHere imahhala ngokuphelele ukuyisebenzisa - awekho amapulani we-premium, awekho ama-paywall, akukho mikhawulo yesici. Sisekela inkundla ngokukhangisa okungaphazamisi okungaphazamisi izibalo zakho. Sonke isibali, zonke izici, nakho konke ukuthunyelwa kwe-PDF kutholakala kuwo wonke umsebenzisi ngaphandle kwemingcele.
Iseluleko sochwepheshe
Qhathanisa Izinhlobo Zemalimboleko
Sebenzisa isibali semalimboleko ukuze uqhathanise i-annuity vs. izinhlelo zokukhokha ezincishisiwe. Umehluko ophelele wezindleko ungaba izinkulungwane zama-euro esikhathini sokuphila semali mboleko.
Hlola Isamba Sezindleko Zenzalo
Ngaso sonke isikhathi bheka inani eliphelele elikhokhiwe, hhayi nje inkokhelo yanyanga zonke. Isikhathi eside sisho izinkokhelo zanyanga zonke eziphansi kodwa inzalo enkulu kakhulu iyonke.
Sebenzisa Uhlelo Lokuncishiswa Kwemali
Ithebula lethu lokuncishiswa kwenani libonisa ukuthi ingakanani inkokhelo ngayinye eya kuthishanhloko uma iqhathaniswa nenzalo. Lokhu kukusiza ukuthi unqume ukuthi uzokwenza nini izinkokhelo ezengeziwe.
I-Factor Kuzo Zonke Izimali
Khumbula ukulandisa ngezimali ezikhokhwayo zokuqala, umshwalense, nezindleko zokuvala. Isibali sethu semali mboleko sihlanganisa lezi ezengeziwe ukuze isilinganiso sakho sezindleko siphelele.
Lungisa Isikhathi Semalimboleko
Ukunciphisa noma ukwelula isikhathi sokukhokha kunomthelela omkhulu ezinkokhelweni zanyanga zonke kanye nenzalo ephelele. Sebenzisa isilayidi ukuze uthole ibhalansi yakho efanelekile phakathi kokufinyeleleka nezindleko.
Qalisa Izimo Eziningi
Zama amanani ahlukene okukhokha kancane, amanani enzalo, kanye nemibandela ngokuhambisana. Ukuqhathanisa izimo kukusiza ukuthi uxoxisane ngemibandela engcono nombolekisi wakho futhi ugweme izinto ezingalindelekile.
We use the standard annuity and decreasing payment formulas implemented by top European banks. Every output shows you the exact ratio of principal to interest month by month.
Your loan amounts, interest rates, and personal financial data never leave your browser. All calculations are executed locally on your device for absolute security.
I-CalcHere yakhiwe ithimba elizimele labathuthukisi nabashisekeli bezezimali abakholelwa ukuthi wonke umuntu ufanelwe ukufinyelela kwamahhala, okungachemile ekubalweni okufanayo okusetshenziswa amabhange ngaphakathi. Asixhumene nanoma yisiphi isikhungo sezezimali futhi asinaso isisusa sokukuyisa emkhiqizweni othile. Umgomo wethu uwukuphela kokukunikeza izinombolo ezicacile, ezinembile ukuze uxoxisane usendaweni yolwazi.
Zonke izibalo zekhredithi zingathunyelwa njenge-PDF ehlanzekile, enobuchwepheshe ngokuchofoza okukodwa. Idokhumenti ihlanganisa yonke imingcele yokufaka kwakho, inkokhelo yanyanga zonke ebaliwe, inzalo iyonke, nohlelo oluphelele lokukhokha imali. Yisebenzise njengereferensi lapho uvakashela ibhange lakho, wabelane ngayo nomeluleki wezezimali, noma uyigcine kumarekhodi akho omuntu siqu. Akukho ukubhaliswa, akukho kheli le-imeyili, awekho ama-watermark — idatha yakho kuphela, ifomethiwe futhi ilungele ukuphrintwa.
An amortization schedule is a table showing each monthly payment broken down into principal and interest. It lets you see exactly how your loan balance decreases over time and how much interest you pay each month.
A fixed rate stays the same for the entire loan term, giving you predictable payments. A variable rate changes with market conditions — it may start lower but can increase over time, affecting your monthly payment.
A longer term reduces your monthly payment but increases the total interest you pay. For example, a 30-year mortgage typically costs 50–80% more in total interest compared to a 15-year mortgage on the same amount.
Yes. Enter each bank's interest rate and term into our mortgage calculator to compare monthly payments, total interest, and overall cost side by side.
No. All calculations run entirely in your browser. We do not collect, store, or transmit any of the financial data you enter.