Calculators

Every number in a South African home loan,
worked out for you.

Free, no account, no tracking. Eight seconds per tool.

Prime 10.50%·FY26 transfer-duty threshold R1.21M·Updated May 2026

Shape the loan

Start here if you haven't signed yet, or if your rate just moved.

Your monthly number on a given loan.

~30s · R, %, years

How much you can borrow on your income.

~30s · income + debts

How much extra a month saves.

~45s · loan + extra/mo

The once-off money you need before the loan even starts.

SARS duty on the purchase price.

~10s · price only

Full stack: duty, attorney, Deeds, bond.

~20s · price + bond

Government subsidy for first-time buyers.

~30s · income + bond

Month-by-month principal/interest split.

~60s · full breakdown

Scenario Planner

Rates, lump sums, multiple what-ifs, all compared side by side.

Open Scenario Planner →

Illustrative figures only. Check actual rates and terms with your bank.