Affordability Calculator South Africa

RSA Property Calculator

Estimate the property price and bond amount your household income may support before a bank performs its formal assessment.

Rates verified18 August 2026

Change any value to recalculate instantly.

Gross household income per monthRLiving expenses per monthRExisting debt repayments per monthRAvailable depositREstimated interest rate%Loan term

Calculated from the figures entered.

Estimated maximum property priceR0including your deposit

Estimated maximum bondR0

Estimated monthly repaymentR0

Deposit includedR0

Repayment cap usedR0

Planning estimate only. Banks apply their own National Credit Act affordability and risk assessments.

Planning estimateThe default interest rate is a starting point and can be changed. Actual bank pricing and approvals vary.