---
title: "Property calculators: bond repayment, affordability and transfer costs"
url: "https://privately.co.za/calculators"
country: "South Africa"
---

# Property calculators

Free calculators for South African property buyers. All three run 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.

## Use it

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