About SA Bond & Property Calculator
Calculate South African bond repayments, transfer duties, and rental yields in seconds. Whether you're buying your first home, evaluating an investment property, or presenting cost breakdowns to a buyer, this app gives you accurate numbers — fast.
BOND CALCULATOR
Work out your exact monthly bond repayment based on property value, deposit, interest rate, and loan term. Defaults to specified South African prime lending rate. Accounts for bond origination and registration costs. See precisely how much you can afford before approaching your bank for pre-approval.
Want to know what happens if you pay an extra 10% deposit? The amortisation calculator shows you how extra payments reduce your outstanding balance and save interest over the full term of your home loan.
TRANSFER DUTY CALCULATOR
Instantly calculate SARS transfer duties using the latest South African tax brackets. Get an estimate of once-off purchase costs: transfer duty, transfer attorney fees, bond registration fees, conveyancing fees, deeds office costs, and electronic document fees. No surprises when you reach the attorney's office.
RENTAL YIELD & CASH FLOW ANALYSIS
Evaluate investment properties the right way. Calculate gross yield and net rental yield based on property value, monthly rental income, levies, rates and taxes, and other operating expenses. The cash flow analysis projects your cumulative profit month by month and shows exactly when the property reaches break-even. (Premium)
AMORTISATION CHART
Visualise the full life of your bond with an interactive chart tracking outstanding balance versus equity accumulated over time. See how overpayments compress your bond term and reduce total interest paid. (Premium)
SAVE YOUR CALCULATIONS
Save multiple property scenarios locally on your device. Revisit and compare them at any time — no account or internet connection required. Ideal for tracking several properties you're considering simultaneously. (Premium)
PDF EXPORT
Generate a clean, professional calculation summary as a PDF document. Share it with clients, attach it to a home loan application, or keep it for your own records. (Premium)
