Equity & Depreciation Calculator
Pick your car, enter your finance details, and watch your equity, break-even and the car’s projected value update live. Download a branded PDF when you’re done.
Your deal
Vehicle
R
%
Deposit type
months
12–96 months
%
per year (1–20)
Balloon
%
Balloon type
Monthly payment
R 6 848,86
Break-even
From day one
Peak equity
R 190 369 @ 5y
You are above water from day one — your car stays worth more than you owe for the whole term. Equity peaks around 5y.
Loading chart…
Month-by-month
61 months · scroll| Month | Value | Balance | Equity |
|---|---|---|---|
| 0 | R 350 000 | R 315 000 | R 35 000 |
| 1 | R 344 259 | R 311 039 | R 33 221 |
| 2 | R 338 613 | R 307 041 | R 31 572 |
| 3 | R 333 059 | R 303 007 | R 30 053 |
| 4 | R 327 597 | R 298 935 | R 28 661 |
| 5 | R 322 223 | R 294 827 | R 27 397 |
| 6 | R 316 938 | R 290 680 | R 26 258 |
| 7 | R 311 740 | R 286 496 | R 25 244 |
| 8 | R 306 627 | R 282 273 | R 24 354 |
| 9 | R 301 598 | R 278 012 | R 23 586 |
| 10 | R 296 651 | R 273 712 | R 22 940 |
| 11 | R 291 786 | R 269 372 | R 22 414 |
| 12 | R 287 000 | R 264 992 | R 22 008 |
| 13 | R 284 491 | R 260 572 | R 23 919 |
| 14 | R 282 004 | R 256 112 | R 25 892 |
| 15 | R 279 539 | R 251 611 | R 27 928 |
| 16 | R 277 095 | R 247 069 | R 30 027 |
| 17 | R 274 673 | R 242 485 | R 32 189 |
| 18 | R 272 272 | R 237 858 | R 34 414 |
| 19 | R 269 892 | R 233 190 | R 36 702 |
| 20 | R 267 533 | R 228 479 | R 39 054 |
| 21 | R 265 194 | R 223 724 | R 41 470 |
| 22 | R 262 876 | R 218 926 | R 43 950 |
| 23 | R 260 578 | R 214 084 | R 46 494 |
| 24 | R 258 300 | R 209 198 | R 49 102 |
| 25 | R 255 804 | R 204 266 | R 51 537 |
| 26 | R 253 332 | R 199 290 | R 54 042 |
| 27 | R 250 883 | R 194 268 | R 56 615 |
| 28 | R 248 459 | R 189 200 | R 59 259 |
| 29 | R 246 058 | R 184 085 | R 61 972 |
| 30 | R 243 680 | R 178 924 | R 64 756 |
| 31 | R 241 325 | R 173 715 | R 67 610 |
| 32 | R 238 993 | R 168 459 | R 70 534 |
| 33 | R 236 683 | R 163 154 | R 73 529 |
| 34 | R 234 396 | R 157 801 | R 76 595 |
| 35 | R 232 130 | R 152 398 | R 79 732 |
| 36 | R 229 887 | R 146 947 | R 82 940 |
| 37 | R 228 087 | R 141 445 | R 86 643 |
| 38 | R 226 302 | R 135 892 | R 90 409 |
| 39 | R 224 530 | R 130 289 | R 94 241 |
| 40 | R 222 772 | R 124 635 | R 98 138 |
| 41 | R 221 029 | R 118 928 | R 102 100 |
| 42 | R 219 298 | R 113 170 | R 106 129 |
| 43 | R 217 581 | R 107 358 | R 110 223 |
| 44 | R 215 878 | R 101 493 | R 114 385 |
| 45 | R 214 188 | R 95 575 | R 118 613 |
| 46 | R 212 511 | R 89 602 | R 122 909 |
| 47 | R 210 848 | R 83 575 | R 127 273 |
| 48 | R 209 197 | R 77 492 | R 131 705 |
| 49 | R 207 559 | R 71 353 | R 136 206 |
| 50 | R 205 935 | R 65 159 | R 140 776 |
| 51 | R 204 322 | R 58 907 | R 145 415 |
| 52 | R 202 723 | R 52 598 | R 150 125 |
| 53 | R 201 136 | R 46 231 | R 154 905 |
| 54 | R 199 561 | R 39 806 | R 159 755 |
| 55 | R 197 999 | R 33 322 | R 164 677 |
| 56 | R 196 449 | R 26 779 | R 169 670 |
| 57 | R 194 911 | R 20 176 | R 174 736 |
| 58 | R 193 385 | R 13 512 | R 179 874 |
| 59 | R 191 871 | R 6 787 | R 185 085 |
| 60 | R 190 369 | R 0 | R 190 369 |