Why We Built This
Property is the single largest financial decision most South Africans will ever make. Yet the tools to properly evaluate that decision — real transfer duty calculators, accurate rental yield models, honest bond vs rent comparisons — have historically been scattered across bank websites with obvious conflicts of interest, or hidden behind sign-up walls.
SA Property Tool was built to change that. We wanted a single, free, independent resource where any South African — whether a first-time buyer in Johannesburg or a seasoned investor in Cape Town — could get accurate, up-to-date numbers without having to hand over their email address or sit through a sales call.
What We Do
We build and maintain free property calculators specifically designed for the South African market. Every calculator is updated with the latest SARS rates, banking industry guidelines, and market benchmarks. Currently available:
- Rental Yield Calculator — gross and net yield, annual profit, break-even rent
- Bond vs Rent Calculator — 5 and 10-year cost comparison, break-even year
- Transfer Duty Calculator — exact 2026 SARS rates plus attorney fee estimates
- Property Affordability Calculator — maximum bond and property price estimate
- Total Transfer Costs Calculator — every cost when buying, no surprises
- Bond Repayment Calculator — monthly repayment, total interest and term comparison
- Extra Bond Payment Calculator — years saved and interest saved by paying extra
- FLISP Subsidy Calculator — government subsidy amount for qualifying first-time buyers
- Property Selling Costs Calculator — net proceeds after commission and other selling costs
- Capital Gains Tax Calculator — CGT estimate using 2026 SARS rules
- Bond Switch / Refinance Calculator — monthly saving and break-even on switching costs
- Deposit Savings Calculator — how long to save for a deposit and transfer costs
Our Principles
- Free forever. All calculators are and will remain free to use with no sign-up required.
- Private by design. All calculations happen in your browser. We do not store, transmit, or sell your financial inputs.
- Independent. We are not owned by a bank, bond originator, or estate agency. Where we recommend services (like ooba for bond applications), these are affiliate relationships that do not affect the integrity of our calculators.
- Accurate. We update our tools when SARS adjusts transfer duty brackets, when the prime rate changes, or when market conditions shift.
- Educational. Every calculator comes with plain-language explanations. We want you to understand the numbers, not just read them.
A Note on Our Affiliate Relationships
SA Property Tool may earn a referral fee when users click through to third-party services such as bond originators. This does not cost you anything and does not influence the calculations or content on this site. We only recommend services we believe are genuinely useful to South African property buyers. Our Privacy Policy explains how this works in detail.
Not Financial Advice
Everything on this site is for informational and educational purposes only. Our calculators provide estimates based on standard inputs and published rates. They cannot account for your full financial profile, local market conditions, or the specific terms of any transaction. Always consult a qualified professional — a registered conveyancer, bond originator, or financial advisor — before making any property decision. See our full Disclaimer.
Contact Us
Have a question, found an error, or want to suggest a new calculator? We'd love to hear from you. Visit our Contact page.
Last updated: June 2026