---
title: "Property calculators: bond, transfer costs, capital gains tax and ownership structures"
url: "https://privately.co.za/calculators"
country: "South Africa"
---

# Property calculators

Free calculators for South African property buyers. Every calculator runs client-side in the browser. No data is sent to Privately.

## Monthly bond repayment

Estimates the monthly instalment on a home loan from the purchase price, deposit, interest rate and loan term, using standard amortisation.

## Affordability

Estimates the maximum loan (and purchase price) a buyer can likely afford, from gross income, existing monthly debt, and an assumed interest rate and term.

## Full cost breakdown

Adds SARS transfer duty, transferring-attorney fees, bond registration fees and deeds office charges to the purchase price, for the total cash a buyer needs to close. See https://privately.co.za/guides/transfer-duty-and-transfer-costs for how transfer duty itself is calculated.

## More calculators

Own name, company or trust (https://privately.co.za/calculators/own-name-company-or-trust): runs the same rentals under five owners (your own name, a company, a trust that hands its income out, a trust that keeps it, and a trust that owns a company) and shows what each leaves after tax, if the homes are sold or kept until death. It uses the 2026/27 SARS rules through the Counter That tax engine, in the browser, and states its assumptions.

What you keep when you sell (https://privately.co.za/calculators/what-you-keep-when-you-sell): works out the capital gains tax, the agent's commission and the other selling costs on a home sale, with the primary residence exclusion for the years lived in the home, and what is left, through an agent or privately. In the browser; nothing is stored or sent.

## Use it

- Calculators: https://privately.co.za/calculators
- Transfer duty and transfer costs guide: https://privately.co.za/guides/transfer-duty-and-transfer-costs