Buying a home in South Africa costs more than the price on the offer to purchase: transfer duty to SARS, two sets of attorney fees, the deeds office and the bank's initiation fee all land before you move in. These calculators work out the bond, the upfront costs and what your salary can carry, on the current SARS table and the prime rate banks quote. Owners and landlords will also find rental yield, levies and rates - and the building ones for bricks, paint and tiles.
All 30 property calculators
- Bond repayment calculatorMonthly bond repayment on any price, deposit, rate and term. Live answer, South African rands.
- Transfer duty calculatorTransfer duty on a property price, on the current SARS table (from 1 April 2025, unchanged for 2026/27).
- Bond costs calculatorBond registration and transfer costs in South Africa: transfer duty, attorney fees (LSSA 2026), deeds office (April 2026).
- Can I afford it? calculatorThe biggest bond your salary carries in South Africa, on the 30% rule banks use.
- Pay it off faster calculatorHow many years and how much interest an extra bond payment each month saves. South African home loan calculator.
- Home loan comparison calculatorCompare two home loan offers side by side: rate, term and deposit. Monthly repayment, total interest and which bond is cheaper over its life.
- Rent or buy calculatorRent vs buy calculator for South Africa: what you would own after a few years if you buy (with transfer duty and bond costs) or rent and invest the difference.
- Interest-only bond calculatorInterest-only home loan vs a normal bond in South Africa: the lower repayment now, the jump later, and how much more interest it costs at prime.
- Bond deposit savings calculatorBond deposit calculator: how much a 10% or 20% deposit saves on your home loan repayment and interest at prime, and how long it takes to save the deposit.
- FLISP subsidy (First Home Finance) calculatorFLISP calculator: the once-off First Home Finance subsidy for your household income - R169 265 at R3 501 a month down to R38 911 at R22 000 - on the NHFC table, and the home loan instalment it saves.
- Interest rate change calculatorInterest rate change calculator for South Africa: what a repo rate cut or hike does to your bond repayment each month, each year and over the rest of the term, at prime or your own rate.
- Rental yield calculatorRental yield calculator for South African buy-to-let property: gross and net yield, the bond repayment at prime, monthly cash flow and cash-on-cash return, with SARS transfer duty.
- Estate agent commission calculatorEstate agent commission calculator for South Africa: the commission on your selling price plus 15% VAT, and what is left for you after the bond is settled.
- Sectional title levy calculatorSectional title levy calculator: your monthly levy from the body corporate budget and your participation quota, with the STSMA regulation 2 minimum reserve fund contribution.
- CSOS levy calculatorCSOS levy calculator for sectional title and HOA owners in South Africa: 2% of the monthly admin levy above R500, capped at R40 a unit a month, and what the scheme pays the Community Schemes Ombud Service each quarter.
- Property rates calculatorProperty rates calculator for South Africa: municipal rates a month from your valuation - City of Cape Town 2026/27 built in (0.007010 in the rand, first R620 000 of a home not rated), or any council's rate in the rand.
- Rent escalation calculatorRent escalation calculator for South Africa: what your rent grows to with a yearly escalation, the rent each year and the total over the lease (Rental Housing Act: the lease must state the escalation).
- Rent affordability calculatorRent affordability calculator for South Africa: how much rent you can afford on your gross salary under the 30% rule landlords use, and the deposit and first month you pay upfront.
- Area and tiles calculatorArea calculator: square metres from length and width, converted to square feet, hectares and acres - and how many floor tiles to buy, with 10% for cuts.
- Paint calculatorPaint calculator for South Africa: how many litres for a room's walls and ceiling, less doors and windows, and which 20, 5 and 1 litre tins to buy.
- Tiles calculatorTile calculator: how many tiles and boxes to buy for a floor or wall, with 10% extra for cuts - and the tile adhesive and grout in kilograms.
- Pool volume calculatorPool volume calculator: how many litres your swimming pool holds - rectangular or round, sloping floor - in kilolitres, and how long the hose takes to fill it.
- Bricks calculatorBrick calculator for South Africa: how many standard 222 x 106 x 73 mm clay bricks a wall needs - about 52 a m² half-brick, 104 one-brick - less doors and windows, plus breakage.
- Concrete calculatorConcrete calculator for South Africa: how many 50 kg bags of cement, and how much sand and stone (m³ and wheelbarrows), for a slab, footing or path - 10-15, 20-25 or 25-30 MPa mixes.
- Plaster calculatorPlaster calculator for South Africa: how many 50 kg bags of cement and how much plaster sand to plaster a wall, by area, thickness and a 1:4, 1:5 or 1:6 mix - in bags, cubes and wheelbarrows.
- Roof sheets calculatorRoof sheet calculator for South Africa: how many IBR or corrugated roof sheets to order and at what length for a gable or lean-to roof, with end laps, metres of sheeting and roof area.
- Paving calculatorPaving calculator for South Africa: how many pavers for a driveway, patio or path - 50 a m² for 200 x 100 mm brick pavers - with extra for cuts and the bedding sand in m³.
- Building cost calculatorCost to build a house in South Africa per square metre, by province: R8 861/m² nationally for houses over 80 m², R9 995 in Gauteng - Stats SA's 2025 averages of what was actually built.
- Rainwater tank calculatorRainwater harvesting calculator: how many litres your roof catches a year and a month (1 mm on 1 m² = 1 litre), how much of your use it covers, and what size JoJo-type tank to buy.
- Rental deposit refund calculatorRental deposit refund calculator for South Africa: your deposit plus interest less damage, and the Rental Housing Act deadline - 7 days if nothing is owed, 14 days with deductions, 21 days if you missed the inspection.
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