South Africa Home Affordability Calculator
Work out the maximum property price you can afford based on the 30% gross income rule used by most SA banks.
South African banks use the "30% rule" -- your monthly bond repayment should not exceed 30% of your gross monthly income.
A bigger deposit means a smaller bond, lower monthly payments, and often a better interest rate from the bank.
Remember to budget for transfer duty, bond registration costs, and conveyancing fees on top of the purchase price.
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Calculate SARS transfer duty on property acquisitions using the sliding scale.
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Calculate monthly payments, total interest, and repayment schedules for South African loans.
Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms