About Finmatics
Free, accurate bond calculators built specifically for South African property buyers
Why we built this
Most online bond calculators are built for the US or UK market and simply stick a "R" symbol in front of dollar amounts. They use the wrong default interest rates, ignore South African transfer duty, and don't account for the way SA banks assess affordability.
Finmatics was built from scratch for South African property buyers, using current SA prime lending rates, the correct SARS transfer duty tables, and the typical bond terms offered by South African banks.
Our calculators
- Bond Repayment Calculator — Monthly payment and full amortization schedule
- Affordability Calculator — Maximum bond based on SA banking criteria
- Transfer Duty Calculator — SARS 2024/25 table, attorney fees, all buying costs
- Extra Payments Calculator — Interest saved by paying extra into your bond
- Bond vs Rent Calculator — Long-term wealth comparison
- Deposit Impact Calculator — How deposit size affects your repayment and rate
Important disclaimer
All calculators on this site are for illustrative and educational purposes only. Results are estimates based on the inputs you provide and standard SA banking formulas. Actual bond terms, interest rates, and fees will vary based on your credit profile, the specific property, and the bank's assessment. Always consult a registered bond originator or financial advisor before making property decisions.
Contact us
Questions, feedback, or to report an error in our calculators: