About
South African homebuyers deserve to see the full picture of a bond before they sign one.
What this tool does, in numbers
You could save
1y 11m sooner
Total paid
R 246 000 saved
R 3 594 000 R 3 348 000
Total interest
R 246 000 saved
R 2 094 000 R 1 848 000
Payoff
1y 11m sooner
Apr 2046 May 2044
Illustrative on a R1.5m bond at 10.50% (May 2026 prime) with an extra R500/mo · Try the planner →
A home loan is the biggest money decision most South Africans will ever make. Twenty years, two million rand, and a monthly repayment that quietly eats a third of your take-home pay. The numbers matter, and small changes — an extra R500 a month, a rate move of half a percent, a lump sum from a bonus — can move the total by hundreds of thousands of rand over the life of the bond.
Most people never see those numbers laid out. Bond originators quote you the monthly and move on. Cashflow is the tool I wanted when I was signing mine.
Models scenarios
Change the rate, the term, the extra payment, or drop in a lump sum. See the full impact immediately.
Compares side by side
Name and save multiple scenarios. Compare total paid, interest, and payoff date honestly.
Works anonymously
Calculators need no account and don't store anything. Sign in only when you want to save.
Not financial advice
I'm not a registered financial adviser. Big decisions deserve one.
Not a bond originator
I can't get you a loan or negotiate a rate. Talk to a registered originator for that.
Not a replacement for your bank or SARS
The maths here is illustrative. Your bank's quoted figures are the real ones.
Not a credit score or pre-approval
Nothing you enter here touches a credit bureau.
I'm Edwin Stoltz — a South African software developer. I built Cashflow as a solo project because I wanted to understand my own bond properly and found that no existing tool answered the questions I cared about. Every calculator, every scenario, every line of copy is mine. If something's wrong, it's on me to fix.
Questions, corrections, or a number that doesn't match your bank's quote?
Privacy stance
Minimal collection
Only what's needed to run your saved scenarios. No advertising IDs, no fingerprinting.
No selling, no sharing
Your data isn't sold or shared with third parties. Ever.
Encrypted in transit and at rest
TLS on the wire; encrypted at the database level.
Export and delete on request
Download everything we hold on you and delete your account, end-to-end, whenever you want.
Full detail in the privacy policy.
Illustrative figures only. Check actual rates and terms with your bank. Cashflow is a personal project by Edwin Stoltz · POPIA-compliant.