About SA Property Tools

About SA Property Tools

SA Property Tools was built to solve a frustrating problem: most property calculators online are designed for UK or US investors. They don't know what transfer duty is, they've never heard of Section 13sex, and they calculate bond repayments in pounds or dollars.

South African property investors need tools that understand the SA market — transfer duty brackets, the prime rate, levies, body corporates, SARS capital gains rules. That's what we built.

What We Offer

Eight free calculators covering every major financial decision a South African property investor faces — from evaluating gross and net rental yield before making an offer, to calculating CGT liability before selling. All free, no signup required.

Alongside the tools, we publish long-form property investment content written specifically for the South African context — buy-to-let analysis, tax strategy, landlord guides, and suburb-by-suburb market data.

Our Commitment

We update our calculators whenever SARS changes transfer duty brackets, when the prime rate changes, or when relevant legislation changes. The date of last update is noted on each calculator page.

All content is provided for general information purposes only. We are not financial advisors, tax practitioners or attorneys. Always consult a qualified professional before making investment decisions.

Editorial Standards

Every calculator on SA Property Tools is built against primary legislative sources — not third-party summaries or approximations. Transfer duty brackets come directly from SARS public notices. Bond repayment formulas use the SARB's published prime lending rate. Conveyancing fee schedules are cross-referenced against the Law Society of South Africa's recommended tariff. CGT inclusion rates, Section 13sex allowances, and municipal rates methodologies are verified against the relevant Acts before any tool goes live.

When legislation changes, we update. Within 24 hours of the Minister of Finance's National Budget Speech, every tax-related calculator on this site is reviewed and updated to reflect newly legislated brackets, thresholds and rates. Bond repayment and affordability tools are updated immediately following any South African Reserve Bank repo rate announcement. Each tool displays the tax year or effective date it was last calibrated to, so you know exactly which legislative framework is being applied to your calculation.

Our calculation outputs are purely mathematical and completely independent. No bank, bond originator, real estate agency or conveyancing firm influences how any formula works or what result it produces. We do not adjust outputs to favour any commercial partner — the number the calculator returns is the number the formula produces, full stop.

We are transparent about how we generate revenue. Some calculator pages include affiliate links to bond originators including BetterBond. If you apply for a bond through one of these links, we receive a referral fee at no cost to you. This income helps us keep every tool on the site free. Our editorial content and calculation logic are entirely independent of these commercial arrangements — the affiliate relationship never influences what the calculator says or what the article recommends.

If you believe a calculation is incorrect or a statutory figure has changed and not yet been updated, contact us directly. We investigate reported discrepancies within one business day and correct verified errors immediately.