Rental Yield Calculator
Calculate gross and net rental yield including vacancy, management fees, rates, levies, maintenance and insurance. Colour-coded verdict vs SA benchmarks.
Use Calculator →Property Investor Tools — South Africa
15 free calculators built specifically for SA buy-to-let investors, landlords and property investors. All updated for 2026 prime rates, SARS brackets and NHFC data.
🕐 All tools updated May 2026 · Prime Rate: 10.50% · Transfer Duty Threshold: R1,210,000
Core Investment Analysis
Cash-on-Cash Return Calculator
The metric serious investors use. Annual cash flow ÷ total cash invested — includes bond repayment, transfer costs and all operating expenses.
Use Calculator →Property ROI Calculator
Full return on investment including capital growth, rental income, and bond paydown over your chosen holding period.
Use Calculator →Property Gearing Calculator
Leveraged vs all-cash returns side by side. Deposit sweep table shows ROE at every gearing level. Positive vs negative gearing verdict.
Use Calculator →NPV / IRR Calculator
Net present value and internal rate of return for property investments. Model discounted cash flows over multi-year hold periods.
Use Calculator →Property Flipping Calculator
Model every cost from purchase to sale — transfer duty, renovation, holding costs, agent commission and CGT. Includes 70% Rule and SA-adjusted 65% Rule check.
Use Calculator →Bond & Financing
Bond Repayment Calculator
Calculate your exact monthly repayment, total interest, and how extra payments cut years off your bond. Investor rental offset included.
Use Calculator →Bond Affordability Calculator
How much will SA banks lend you? Model gross income, expenses, existing debt and deposit against SA bank affordability criteria.
Use Calculator →FLISP / First Home Finance Calculator
Calculate your government housing subsidy instantly. Enter your income to see your R38,911–R169,265 subsidy and reduced bond amount.
Use Calculator →Costs & Tax
Transfer Cost Calculator
Transfer duty, conveyancing fees, bond registration costs — every rand you need to budget before making an offer. SA 2026 SARS brackets.
Use Calculator →Capital Gains Tax Calculator
Calculate your CGT liability on property disposal. Covers primary residence exclusion, annual exclusion, inclusion rate and effective rate.
Use Calculator →Section 13sex Calculator
Model the Section 13sex residential property allowance — 5% or 10% annual depreciation deduction for new or low-cost rental units.
Use Calculator →Solar ROI Calculator
Section 12B 125% tax deduction + Eskom tariff savings + rental premium. Three income streams — one complete SA solar ROI model.
Use Calculator →Municipal Rates Calculator
Calculate monthly rates for all major SA metros — Cape Town, Johannesburg, Tshwane, eThekwini and more. 2026 tariffs built in. Metro comparison included.
Use Calculator →Rental Management
Rental Escalation Calculator
Project rent year by year. Compare fixed % vs CPI-linked increases. 3-scenario comparison. Landlord and tenant views included.
Use Calculator →Rent vs Buy Calculator
Is it better to rent or buy in your SA city? Model the real long-term financial comparison including opportunity cost of deposit.
Use Calculator →Holiday Let & Airbnb Yield Calculator
Model seasonal occupancy, platform fees and costs for SA holiday properties. Three-season model with short-term vs long-term rental comparison. Covers Cape Town, Garden Route, KZN coastal.
Use Calculator →Holiday Let & Airbnb Yield Calculator
3-season STR income model with platform fees, cleaning costs and STR vs long-term rental comparison. For SA coastal and urban short-term rental properties.
Use Calculator →Student Accommodation Yield Calculator
Calculate per-bed yield with academic calendar occupancy. Compare student letting vs standard single-tenant returns on the same property. Covers Hatfield, Stellenbosch, Braamfontein.
Use Calculator →Sectional Title vs Freehold
Compare the true costs and returns of sectional title vs freehold investment properties — levies, rates, maintenance and appreciation.
Use Calculator →Legal Tools
Rental Agreement Generator
Generate a legally compliant SA residential lease agreement. RHA 50/1999, PIE Act and CPA compliant. Free, no signup required.
Generate Agreement →