Free — Financial calculators
Loan & Microfinance Calculators
Ten free tools built for how lending actually works in Tanzania — reducing-balance schedules, the true cost behind a flat-rate quote, PAR, BOT-style classification, VICOBA share-outs and more. No sign-up, nothing leaves your browser.
Free for every lender and field officer in Tanzania — no sign-up required.
Calculators
Lending
- Loan Repayment CalculatorGenerate a full reducing-balance repayment schedule from principal, rate and term.Open calculator
- Effective Interest Rate (EIR) CalculatorSee the TRUE annual cost behind a flat-rate loan quote.Open calculator
- Loan Affordability Calculator (DSR)Check a proposed repayment against income and obligations.Open calculator
- Flat vs Reducing-Balance ComparisonSee why the same '10%' produces very different real costs.Open calculator
- Check-Off Loan Deduction CalculatorFind the maximum affordable payroll deduction under an MOU.Open calculator
Compliance
Why these are free
Each calculator does, for one loan or one snapshot, a slice of what the full Ustawi platform does continuously across your entire portfolio — with an audit trail, BOT-ready reports, and no manual re-keying. The tools are a taste; the platform is the meal.
- Formula shown for every result
- No account needed
- Same math as the platform
FAQ
Are these calculators really free?
Yes — every calculator here is free to use, with no sign-up, no account, and no data sent anywhere. All the maths runs in your browser.
Do you store the numbers I enter?
No. Every calculation runs entirely on your device; nothing you type is transmitted to Ustawi or any third party.
Are the regulatory figures (BOT bands, provisioning rates) official?
The classification and provisioning tools follow Bank of Tanzania GN No. 679 of 2019, Reg. 45 for non-deposit-taking microfinance (banks and SACCOS use different ladders). A 2024 draft replacement of GN 679 is in circulation, so always confirm the current bands and rates against the Bank of Tanzania gazette and your compliance team before relying on them.
How do these relate to the Ustawi platform?
Each calculator mirrors a piece of logic the full Ustawi platform automates across your whole portfolio. The tools do one loan or one snapshot at a time; the platform does it continuously, at scale, with an audit trail. Book a demo to see the difference.