Extra payment impact
How much time and interest you save by paying extra into your bond every month.
Current SA bond mechanics · Prime 10.50% · Updated May 2026
You could save
R 246 465
1y 11m sooner
Total paid
R 246 465 saved
R 3 594 167 R 3 347 702
Total interest
R 246 465 saved
R 2 094 167 R 1 847 702
Payoff
1y 11m sooner
20 years 18y 1m
Next, check:
What moves this number
Extra per month
Another R500/month on top of your current extra pays this loan off about 1y 7m sooner.
Term mode
Fixed-term shortens the loan. Fixed-payment keeps today’s instalment and saves interest. Access bond saves interest AND keeps the extra withdrawable.
Starting month
The earlier you start, the bigger the saving. The first month of extra payment cuts more interest than the last.
This calculator is for illustrative purposes only and does not constitute financial advice.