Property Calculators

Buying property is one of the biggest financial decisions you’ll ever make. At DWD Financial Planners, our property calculators are designed to give you a clear view of what you can afford and how property fits into your long-term financial plan. From bond repayments to affordability checks, these tools help you make smart choices before committing to a purchase.

By combining the insights from our calculators with expert financial advice, we guide you through every step—from understanding repayment schedules to ensuring your property investment aligns with your broader wealth-building strategy. With the right planning, property ownership can become a strong foundation for your financial future.

DWD Financial Planners Property Calculators

Calculate your monthly bond repayments, total interest payable, and see the full cost of your home loan over time

Discover the maximum home loan amount you qualify for based on your monthly income, expenses, and affordability guidelines

Get a detailed breakdown of all transfer costs including bond registration, attorney fees, transfer duty, and deeds office charges

%
Monthly Repayments
R 11 981
Loan Value (Capital) R 1 200 000
Total Interest R 1 675 334
Total Repayment R 2 875 334
Disclaimer: This calculator uses the prime interest rate for convenience. Actual rates may vary. These calculations are estimates and we cannot be held liable for inaccuracies.
%
Monthly Repayments
R 0
Maximum Loan Available R 0
Interest Rate & Term 10.5% for 20 years
Note: This calculation is based on general lender affordability guidelines of 30% instalment to gross income and on your disposable income. The interest rate is set to the prime lending rate by default.
Total Bond & Transfer Costs
R 70 093
Bond Registration Costs R 37 645
Bond registration costs R 28 244
Bank initiation fee R 6 037
Deeds office levy R 1 464
Postage & application fees R 1 900
Property Transfer Costs R 32 448
Property transfer costs R 28 244
Deeds office levy R 1 464
Transfer duty R 0
Postage & application fees R 2 740
Note: Costs are effective as of September 2025 (Transfer Duty rates from 1 April 2025, Attorney fees from 1 August 2025)
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Why Use Our Property Calculators?

Bond Calculator
✔ Quickly estimate your monthly bond repayments...
Affordability Calculator
✔ Find out how much home you can afford based o...
Transfer Costs Calculator
✔ Calculate transfer and legal costs for your p...
Extra Payments Calculator
✔ See how extra payments can reduce your bond t...
Interest Rate Simulator
✔ Test how different interest rates impact your...
Total Monthly Costs
✔ Get a clear view of all your monthly property...

How It Works?

Bond Calculator

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1. Enter the property price, deposit (or loan amount).

2. Add the annual interest rate and loan term (years).

3. Hit Calculate to see your monthly repayment and total interest.

Affordability Calculator

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1. Enter your gross monthly income (and any additional income).

2. Add monthly expenses and current debt repayments; include deposit if any.

3. Click Calculate to get your affordable monthly repayment and estimated purchase price.

Transfer Costs Calculator

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1. Enter the property purchase price.

2. Add buyer type/options (e.g., first-time buyer, include bond registration/legal fees if known).

3. Click Calculate to see transfer duty, legal/registration fees and total upfront costs.

Extra Payments Calculator

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1. Enter current bond balance (or original loan amount), interest rate, and remaining term.

2. Input extra payment amount and frequency (monthly/one-off).

3. Calculate to see new repayment timeline, interest saved, and updated balance.

Interest Rate Simulator

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1. Enter loan amount and loan term (or current monthly repayment).

2. Input current rate and the rate(s) you want to test (or adjust slider).

3. Click Simulate to compare monthly repayments and total interest at each rate.

Total Monthly Costs

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1. Enter your monthly bond repayment (or auto-fill from Bond Calculator).

2. Add other monthly costs: rates & taxes, levies, insurance, utilities, maintenance.

3. Click Calculate to see the full monthly property cost.

Frequently Asked Questions