Enter your monthly figures to see where you stand. This is not a formal affordability assessment — it gives you a general picture and points you to the right next step.
Monthly take-home income (after tax)
R
Total minimum monthly debt repayments (all accounts)
R
Monthly living expenses (rent, food, transport, utilities)
R
Income
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Debt payments
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Left over
—
Debt-to-income ratio—
Total committed (debt + living)—
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🧮 Life vs funeral cover
Estimator
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These are ESTIMATES ONLY, not a quote. Real premiums depend heavily on the age of every person covered, plus health, insurer and smoker status.
Your age (main member)
Your monthly take-home income (for life cover sizing)
R
Who else are you covering with funeral cover?
Age changes the price a lot — children are cheap to cover, older dependents cost more.
Children (under 18)
Adults (18–64)
Elderly dependents (65+) — e.g. parents or in-laws
Funeral cover amount, per person
Life cover only
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—
Funeral cover only
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—
Both combined
—
The most complete protection, at the highest monthly cost
Funeral cover + savings account
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—
What this means
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Reminder: these are estimates only, not a quote. These figures use average 2026 SA market pricing as a rough guide, weighted by the age of each person covered. Get an actual quote from a licensed insurer before deciding — your health, occupation and smoker status can move these numbers significantly.
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We mention these organisations because they are genuinely useful or legally relevant to know about — not because we earn anything from the mention. Always verify details (fees, eligibility, contact info) directly with the organisation before acting, since these can change.
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