Know exactly what your bond will cost you.
Three free calculators for South African home loans — see what paying extra saves you, what you could afford, and what the transfer will cost before you sign.
Start with the payoff calculatorBond Payoff Calculator
Add recurring or once-off extra payments and see how many months you cut off your bond — and how much interest you keep.
Open calculator →Bond Affordability Calculator
Estimate the maximum bond you could realistically qualify for, based on your income and existing monthly commitments.
Open calculator →Transfer Cost Calculator
Work out the exact SARS transfer duty payable on a property purchase, and add your attorney quote for a full cost picture.
Open calculator →About these calculators
Are they free?
Yes — all three are free to use, with no sign-up, no email required, and nothing you enter is sent anywhere. Every calculation runs in your own browser.
Which one should I start with?
If you already have a bond, start with the payoff calculator — it shows the biggest wins. If you're still shopping, start with affordability, then check transfer costs before you make an offer.
How accurate are they?
The maths uses standard reducing-balance amortisation, the same method banks use, and the transfer duty figures come straight from the published SARS brackets. They're planning tools, though — your bank's final figures may differ.
Is this financial advice?
No. These are illustrative calculators to help you understand the numbers. For advice specific to your situation, speak to your bank, bond originator, or a qualified financial adviser.