Property Calculators

Bond, affordability, transfer duty, and cost tools for South African buyers.

Estimate your monthly bond installment using the standard amortisation formula.

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Applies NCR-style affordability: 30% of gross income, but capped at ±40% of verified disposable income.

Gross monthly income (ZAR)

Additional income (e.g. rental)

PAYE + UIF deductions Monthly statutory deductions taken off your payslip.

Other payroll deductions Medical aid, pension, company loan, etc.

Living expenses Food, transport, insurance, utilities.

Existing credit repayments Cars, credit cards, personal loans.

Bond interest rate (per annum %)

Term (years)

Cash deposit available (ZAR)

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Guideline only. NCR rules require verified expenses; banks typically cap at 30% gross OR 40% disposable, whichever is lower.¹

Uses SARS brackets effective 1 April 2025 (R1.21 m threshold).

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Rates per SARS notice (7 Apr 2025). No transfer duty below R1,210,000.

Estimates conveyancer, deeds office, and bond registration fees (Aug 2025 tariff).

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Based on Law Society transfer + bond fee guidelines (1 Aug 2025) and typical deeds office/initiations. Subject to change per firm.

¹ Based on guidance from Ooba, Private Property & Harcourts (2025/2026) and NCR affordability norms.