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Property calculators for South African home buyers and owners
Property Calculators
Free South African bond, affordability and repayment calculators — work out the numbers before you make an offer
Bond Calculator
What will my home loan cost?
Work out your monthly instalment, total repayment and interest payable on a home loan from the purchase price, deposit, loan term and interest rate.
Affordability Calculator
What can I afford to buy?
Estimate the property value you could afford, based on how much of your gross monthly income can go toward a bond repayment plus the deposit you have available.
Repayment Calculator
What is my monthly instalment?
Apply the standard amortisation formula lenders use to turn a loan amount, interest rate and term into a monthly repayment and a total interest figure.
Additional Payment Calculator
What if I pay extra each month?
See how paying more than your minimum instalment cuts into your capital, shortens the loan term and reduces the interest you pay over the life of the bond.
Refinance Calculator
How much equity can I release?
Estimate the cash you can unlock from a bond-free property — up to 75% of market value — and what the instalments would look like on the new loan.
Switch Calculator
Should I move to another lender?
Compare a new loan against your current outstanding balance to see whether switching lenders improves your monthly cash flow or saves money over the term.
Which calculator should I use?
Each one answers a different question, and most buyers end up using several as they move through a purchase.
Before you shop
Find out what price range is realistic for your income and deposit.
Affordability CalculatorBefore you offer
Price a specific property — instalment, total interest and total repayment.
Bond CalculatorOnce you have a bond
Test what an extra payment each month would save you.
Additional Payment CalculatorReviewing an existing bond
Check whether refinancing or switching lenders leaves you better off.
Switch CalculatorHow to read your results
- A larger deposit lowers the loan amount, which cuts both your instalment and the total interest you pay.
- A shorter term raises the monthly instalment but saves interest; a longer term does the opposite.
- Affordability is usually capped at around 30% of gross monthly income going toward the bond.
- Results are estimates for planning. Your bank's final offer depends on your credit record, the property valuation and the rate you are granted.
Know your numbers? Find the property.
Browse verified listings or speak to a licensed property practitioner in your area.
