Calculate your home loan repayment, check affordability, estimate transfer duty and plan your bond — all using current SA prime rate and SARS tables.
Pick the right tool for your property question
Calculate your exact monthly repayment based on property value, deposit, interest rate, and loan term.
Most popularFind out the maximum bond you qualify for based on your gross monthly income and expenses.
Start hereCalculate SARS transfer duty, attorney fees, and all costs for buying a property in South Africa.
Buying costsSee how much interest you save and how many months you cut off your bond with extra monthly payments.
Save moneyCompare the true long-term cost of renting vs buying your own home in South Africa.
Decision toolSee how different deposit sizes change your monthly repayment and total interest paid.
Optimise depositGet a fast estimate — use the full calculator for a detailed breakdown
Built specifically for South African property buyers — not a US calculator with a rand sign
Uses current SA prime rate (10.25%), correct SARS transfer duty tables, and typical SA bond terms. Not a US mortgage calculator repainted.
Designed to work perfectly on your phone. No app download needed. Works offline once loaded. Fast on data-limited connections.
All calculators are completely free to use. No email required, no account creation, no hidden costs. Just open and calculate.
See exactly how much goes to interest vs principal every month for the full life of your bond. Print or save for your records.