Compliance Certificates Cost Calculator
Which CoCs do you need to sell your property? Province and city requirements with 2026 inspection cost ranges and remediation contingency.
Use Calculator →Property Investor Tools — South Africa
34 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 July 2026 · Prime Rate: 10.50% · Transfer Duty Threshold: R1,210,000
Core Investment Analysis
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 →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 →Property Valuation Calculator
Estimate what a rental property is worth using the income capitalisation method — net operating income ÷ cap rate. Check it against the asking price.
Use Calculator →Property Appreciation Calculator
Project a property's future value forward at your chosen growth rate — nominal and inflation-adjusted, year by year, using 2026 FNB/Lightstone data.
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 →Home Equity Calculator
Find out how much equity you've built up in your property, your loan-to-value ratio, and the real difference between an access bond and a further bond.
Use Calculator →Deposit Savings Goal Calculator
See exactly how long it will take to save your target deposit at your current savings rate, including TFSA contribution guidance.
Use Calculator →Bond Switch / Refinance Calculator
See whether switching banks or refinancing your bond is worth it — break-even period, total switching costs and interest saved over the remaining term.
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 →Estate Agent Commission Calculator
Calculate agent commission excl. VAT, VAT amount, total fee and net proceeds to seller. Adjustable rate 5–7.5%. Sole vs open mandate toggle.
Use Calculator →Property Selling Costs Calculator
The seller-side counterpart to our Transfer Cost Calculator — commission, bond cancellation, compliance certificates and rates clearance in one net-proceeds number.
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 →Section 13quat Calculator
Model the Section 13quat Urban Development Zone allowance: up to 25% deducted in year one, for buildings within a demarcated UDZ.
Use Calculator →Rental Income Tax Calculator
Calculate the tax your rental income adds on top of your salary or other income, plus your provisional tax (IRP6) payment schedule. SARS 2027 tax year brackets.
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 →Sectional Title Levy Calculator
Estimate your monthly body corporate levy by complex tier and unit size, plus the STSMA reserve fund contribution rule that applies to your scheme.
Use Calculator →Donations Tax / Deposit Gift Calculator
Work out the donations tax on a house deposit gift or cash gift under current SARS rules — annual exemption, rate, and what your recipient actually receives.
Use Calculator →Estate Duty Calculator
Estimate estate duty on a South African deceased estate — abatement, spousal exemption, executor's fee and the current SARS rate tiers.
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 →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 →Deposit Interest & Refund Calculator
Calculate rental deposit interest and refund under the Rental Housing Act. Covers the 7/14-day refund deadlines, damage deductions, and the fair wear and tear distinction. For landlords and tenants.
Use Calculator →Rent Affordability Calculator
Check whether a rent is affordable using the 30% rule and the SA letting agent 3x-income screening convention. Debt-adjusted figure included.
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 →