YOUR MONEY · 3 MIN READ
What does affordability really mean?
A budget remainder is a useful starting point, not a loan approval.
Start with take-home income
Use the money you actually receive after deductions. If income varies, consider a low-income month as well as an average.
Account for everyday needs
Include housing, food, transport, utilities, dependants and existing debt payments. Leave room for irregular expenses and emergencies.
Stress-test your plan
Try a smaller income or higher essential costs. A positive budget remainder does not establish that a loan is affordable under a lender’s approved assessment policy.
Examples use ZAR. No current market rates, fuel prices or CPI values are claimed. This is general education, not a personalised recommendation.
Explore the idea yourself
Try a money toolSource context: Statistics South Africa · DMPR fuel publications · National Credit Regulator. Current product and legal requirements need separate review.