Affordability calculator

Work out how much house you can afford in South Africa. Free bond affordability calculator based on income and existing debt.

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Affordability

Estimate the maximum property price you can afford based on your income, expenses and existing debt. Uses typical bank affordability guidelines.

Your Financial Details

Monthly Gross Income (R)

Monthly Expenses (R)

Include living expenses, insurance, etc.

Existing Monthly Debt (R)

Credit cards, car loans, other bonds, etc.

Interest Rate (% per annum)

Loan Term (years)

What You Can Afford

Enter your financial details to see what you can afford

How we calculate

We estimate what you can afford using a typical debt-to-income guideline (around 30% of gross income for the bond) and subtract existing debt. This is a guideline only; banks use their own affordability rules.