With a live Google search link for the estimated affordability amount from current vehicle listings!

To calculate the starting loan principal amount based on a known monthly payment, interest rate, and total number of periods, you must use the present value of an annuity formula.

The algebraic formula to find the principal (P) is:

Estimate your total monthly payment (including interest), excluding insurance and the once-off on-the-road fees (R).

Select the number of months.

Select your deposit (R).

Bank Interest (%).

Balloon / Residual amount (R).

Principal amount

R000 000.00

Based on your principal amount, see what you can get by following the links to SA's popular car sites!

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