Affordability calculator

Find out how much you can afford to spend on your new home, based on your income and expenses.

Total loan amount R 0.00
Monthly repayment R 0.00
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Affordability calculator help

The more information you can provide, the more accurate your estimate will be.

Interest rate

This affordability calculator uses the current interest rate, but the rate that will be applied to your home loan could vary, depending on factors like your credit score and whether you've saved a deposit.

Repayment term

This affordability calculator uses the most common home loan term, which is 20 years (240 months), but you can enter another timeframe and the results will change accordingly.

Monthly gross income

Enter your (and your co-applicant's) monthly income before taxes to determine affordability.

Monthly nett income

Enter your (and your co-applicant's) monthly income after taxes to determine affordability.

Monthly expenses

The monthly amount you pay on debt and household expences. Do not include rent or loan amounts if these will be replaced by the new bond payment.

Total monthly repayment

This is the monhtly repayment calculated on the loan amount you qualify for.

Total loan amount

This is the amount you qualify for based on the income and expences information you captured.