Free South African calculator
Home Loan Affordability Calculator
Estimate a South African home-loan repayment, indicative maximum bond and property budget from income, expenses, debt, deposit, rate and term.
South Africa · home-loan planning model
Home Loan Affordability Calculator
Estimate a sensible monthly bond repayment, maximum loan size and property budget from your household income, expenses, existing debt, deposit, interest rate and loan term.
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Use combined gross income if two people will apply together.
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For example PAYE, UIF, pension and other deductions that reduce take-home pay.
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Groceries, transport, utilities, insurance, school costs, subscriptions and other recurring household costs.
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Vehicle finance, personal loans, credit cards, store accounts and other credit commitments.
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This is deliberately left uncommitted for emergencies, price increases and irregular costs.
% of gross income
This is a planning preference, not a legal or bank approval rule. Lower it if you want more breathing room.
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Enter a property price to compare its estimated repayment with your planning capacity.
% p.a.
Editable because the rate offered by a lender depends on the application and can differ from prime.
Planning estimate only, reviewed 16 August 2026. It is not financial advice, pre-qualification or a credit decision. A registered credit provider must perform the formal affordability assessment required for a home-loan application.