How KOSTE works

Three steps, no account, no jargon.

1. You give us the real inputs

Price, deposit, interest, kilometres, insurance — the stuff that actually drives cost. We pre-fill realistic South African examples so you can start fast and adjust.

2. We calculate, deterministically

Every figure comes from a fixed formula running in your browser. Same inputs, same answer, every time. See the methodology for each formula.

3. KOSTE explains it

Tap “Make this make sense” and our AI layer explains the result in your language: what the biggest cost is, why the total is bigger than the monthly instalment, and what to try next. The AI never calculates and never overrides the numbers.

What if?

Change a deposit, a price or your kilometres and see the impact immediately — side by side with your current scenario.

Share it

Every result can be turned into a branded KOSTE card you can send on WhatsApp or post anywhere.