South African Bond & Home Loan Calculators
Free, simple tools to help you plan your home loan — from working out your monthly bond repayments to budgeting for transfer costs, deposits and early settlement.
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Each calculator focuses on one part of the home-buying journey, with plain-language advice and frequently asked questions to help you understand your results.
Bond Repayment Calculator
Work out your estimated monthly bond repayment and the total interest you will pay over the loan term.
Bond Affordability Calculator
See how much you could afford to borrow based on your income and monthly expenses.
Transfer Cost Calculator
Estimate transfer duty, conveyancing fees and bond registration costs when buying a home.
Extra Payments Calculator
Find out how much time and interest you could save by paying extra into your bond every month.
Deposit Savings Calculator
Calculate how much you need to save each month to reach your home deposit goal.
Amortisation Calculator
See a year-by-year breakdown of how your bond balance reduces over the life of the loan.
Why use our calculators?
Buying a home is one of the biggest financial decisions you'll make. These tools are designed to help you go into the process with confidence.
Plan with confidence
Understand what your bond repayments, deposit and once-off costs are likely to look like before you start house-hunting.
South African specific
Calculations reflect local conventions, including SARS transfer duty brackets and typical bond registration and transfer costs.
Make informed decisions
See how extra payments, a bigger deposit or a different interest rate could change your loan term and total interest paid.
Free and instant
All calculators run instantly in your browser — no sign-up, no personal details required.