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Bond, buying and home ownership calculators

Work out your bond repayment, the costs of buying and whether renting or buying comes out ahead. Free tools with official transfer duty figures.

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Official SARS transfer duty figures

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Home buying costs calculatorDeposit, transfer duty and fees: the cash you need before you get the keys.Rent vs buy calculatorCompare buying with renting and investing the difference, year by year.Electricity usage calculatorWhat each appliance uses and costs, so you can see what drives your bill.Solar payback calculatorHow long a solar system takes to pay for itself, with rising tariffs.Load-shedding cost calculatorWhat outages cost you each month, and whether a battery or solar system pays back.Electricity tariff comparisonEstimate a monthly electricity bill on published Eskom and metro residential tariffs, with every rate and VAT basis.

Bond and buying

Bond repayment calculatorMonthly repayments, total interest and the effect of paying extra.Bond affordability calculatorRoughly how much house your income could buy.Transfer duty calculatorTransfer duty on a property purchase, bracket by bracket.Home buying costs calculatorDeposit, transfer duty and fees: the cash you need before you get the keys.Rent vs buy calculatorCompare buying with renting and investing the difference, year by year.Home ownership cost calculatorBond, rates, levies, insurance and upkeep added into one monthly cost.Rental deposit and lease exit calculatorPro-rata rent, notice period, deposit interest and deductions: what you should get back.

Property investment

Rental yield calculatorGross and net rental yield on a property, with costs and empty months.

Electricity and solar

Electricity usage calculatorWhat each appliance uses and costs, so you can see what drives your bill.Battery runtime calculatorHow long a battery and inverter can run your load during load shedding.Inverter sizing calculatorThe inverter size in VA for the appliances you want to run together.Solar payback calculatorHow long a solar system takes to pay for itself, with rising tariffs.Load-shedding cost calculatorWhat outages cost you each month, and whether a battery or solar system pays back.Electricity tariff comparisonEstimate a monthly electricity bill on published Eskom and metro residential tariffs, with every rate and VAT basis.

About HomeMzansi

Buying a home is the biggest purchase most people make. HomeMzansi helps you see the monthly repayment, the once-off costs and the long-term picture before you commit.

Where the figures come from

Transfer duty and tax figures come from SARS, and the prime lending rate from the South African Reserve Bank, each shown with the date it was last checked. Conveyancing and bond registration fees depend on your attorney and the property price. We do not publish a fee table until we can source one officially, so those tools ask you to type in your attorney’s quote.

Assumptions you can change

Rent versus buy and other long-term tools depend on assumptions such as property growth and investment returns. These are inputs you can change, and the explanation shows what each one does.

These are estimates for information only. They are not financial advice.

Where to start

Buying a home. The home buying costs calculator adds up the once-off costs, the bond affordability calculator shows what you could borrow and the home ownership cost calculator adds the monthly costs beyond the bond.
Renting or buying. The rent versus buy calculator compares the two over time, and the rental deposit and lease exit calculator helps when you leave a rental.
Investing in property. The rental yield calculator compares what a property earns.
Power and load shedding. The electricity usage calculator, the load shedding cost calculator, the battery runtime calculator, the inverter sizing calculator and the solar payback calculator cover the cost of keeping the lights on.

How to use the results

Home costs are long-term, so small differences add up over many years. Use the tools to compare options on the same basis, and change one input at a time to see what matters most. Interest rates, electricity tariffs and rates and levies all change, so check the figures again before you commit.

What these tools cannot do

They do not replace a valuation, a bond approval, an electrician's design or a solar installer's quote. They give a first estimate to help you decide what to ask.