About SA Property Tools

Our Vision

A South Africa where every person making a property decision — whether they're buying their first flat in Soweto, developing apartments in Sandton or wiring a house in Durban — has access to the same accurate, local information that institutional investors pay consultants for. No paywall. No gatekeeping. Just tools that work with the numbers that actually apply here.

Our Mission

To build and maintain the most comprehensive, accurate and accessible suite of property calculation and guidance resources specifically for the South African market — kept current with South African legislation, indexed to South African rates, and written in the context of South African property law and practice.

The Work Behind What You See

This site didn't come from a template. Every one of the 52 calculators here was researched, built and tested against primary South African sources. Transfer duty brackets come straight from SARS public notices. Bond repayment formulas are locked to the South African Reserve Bank'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 were all checked against the relevant Acts before a single tool went live.

When the Minister of Finance delivers the National Budget Speech, every tax-related calculator is reviewed and recalibrated within 24 hours. When the Reserve Bank moves the repo rate, bond and affordability tools are updated immediately. Each calculator displays the tax year or effective date it was last calibrated to — because you should know exactly which legislative framework is being applied to your numbers.

The 27 long-form articles on buy-to-let strategy, tax rules, compliance certificates and the property questions that don't have a one-number answer were each written specifically for the South African context, not adapted from overseas content. This isn't a side project that gets updated when someone remembers — it's maintained with the rigour of a professional practice, because the people who use it deserve that standard.

Who We Built This For

For investors — the 25 calculators covering rental yield, bond affordability, capital gains tax, FLISP, gearing, cash-on-cash return, property valuation, rent affordability and everything else you model before buying, holding or selling, so you can evaluate a deal with confidence whether it's your first property or your fifteenth.

For developers — the 10 calculators for building cost per m², brick and concrete quantities, roofing, plastering and paving, so your estimates are grounded in local material costs and construction norms.

For tradespeople — the 17 calculators for cable sizing, DB load, geyser sizing, voltage drop and other SANS-referenced electrical and plumbing calculations, so the work you sign off on meets the standard this country requires.

And for every South African who's ever punched local numbers into a UK or US calculator and realised it didn't know what transfer duty was, had never heard of Section 13sex and quoted interest rates that haven't applied here in years — you deserve tools that speak your language, in your currency, under your legislation. All free. No signup. No email wall.

Our sister site, OurCalculators.com, covers the same ground for UK, US and Canadian buyers. PayTools.co.za does SA payroll and salary calculations. Faraid Hub handles Islamic estate planning. This site is the one that's just for SA property.