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Home Loan & Mortgage Calculator
Bond · Mortgage · Home Loan · 15+ Countries
No sign-up · Free
❓ How to use
Bond

Monthly Repayment Calculator

Enter the property price and your loan details to calculate your monthly repayment, total interest and total amount repayable.

How to use — Monthly Repayment Calculator
  1. Select your country at the top strip — this sets currency, typical rate and loan terminology (Bond, Mortgage, Home Loan etc.).
  2. Enter the property purchase price. Use the deposit slider to set your deposit percentage — the loan amount updates instantly.
  3. Adjust the interest rate to match your bank quote, or use the pre-loaded typical rate for your country as a rough estimate.
  4. Move the term slider — longer terms mean lower monthly payments but much more total interest over the life of the loan.
  5. Read the results: monthly repayment, total interest, and the break-even year (when 50% of capital is paid off).
  6. The Year 1 vs Final Year chart shows how your payments shift from mostly interest early on to mostly capital at the end.
🏠 Property & Loan Details
10%
Deposit: R150,000
11.5%
SA prime rate: ~11.5% — most home loans are prime + 0.5% to prime + 2%
20 yrs
Most common: 20–25 years
Monthly Repayment
–
–
Loan Amount
–
Deposit
–
Total Repayable
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over full term
Total Interest
–
–
Interest to Capital Ratio
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for every R1 borrowed
Break-Even Year
–
50% capital paid off
📊 Repayment Composition (Year 1 vs Final Year)
Year 1
Capital: – Interest: –
Final Year
Capital: – Interest: –

Affordability Calculator

Find out the maximum loan and property price you can afford based on your income, expenses and the current interest rate.

How to use — Affordability Calculator
  1. Enter your gross monthly income (before tax). If buying jointly, combine both incomes.
  2. Enter your net (take-home) monthly income — what you actually receive after deductions.
  3. List all existing monthly debt repayments: car finance, personal loans, credit cards, store accounts.
  4. Enter your monthly living expenses: food, insurance, school fees, utilities. Exclude rent — that cost falls away when you buy.
  5. The calculator applies your country's standard lending rule (typically 25–30% of gross income) to calculate your maximum monthly repayment and property price.
  6. Check the Debt-to-Income ratio — most lenders want this below 35–40% for approval.
💰 Your Income & Expenses
Car finance, personal loans, credit cards, store accounts — anything you're already paying monthly
Food, school fees, insurance, medical aid, utilities — exclude rent (that falls away when you buy)
11.5%
20 yrs
You Can Afford
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Maximum property price
Max Loan Amount
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Max Monthly Repayment
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Disposable Income
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after all commitments
Debt-to-Income Ratio
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lower is better

Upfront Costs Calculator

Buying a property involves significant once-off costs on top of the deposit. These vary by country.

How to use — Upfront Costs Calculator
  1. Enter the purchase price and your deposit amount.
  2. Select whether you are a first-time buyer — many countries offer transfer duty or stamp duty relief for first-time buyers.
  3. Select new build or existing property — new builds are often exempt from transfer/stamp duty.
  4. The breakdown lists every once-off cost you need cash for on the day of transfer — attorney fees, transfer duty, bond registration, deeds office fees.
  5. The total at the bottom is the cash you must have ready: deposit plus all upfront costs.
  6. Get a formal quote from a conveyancing attorney or solicitor — these figures are estimates based on typical rates in your country.
🏠 Property Details
Total Cash Needed to Buy
–
deposit + all upfront costs
💸 Cost Breakdown
⚠️ These are estimates. Actual costs vary by location, attorney, and individual circumstances. Always get a formal quote from a conveyancing attorney or solicitor before committing.

Extra Payment Savings Calculator

Even small additional monthly payments can save you a significant amount in interest and years off your loan.

How to use — Extra Payment Savings Calculator
  1. Enter your loan amount (purchase price minus deposit), interest rate and original term.
  2. Move the Extra Monthly Payment slider to see the impact of paying more each month.
  3. The calculator shows how many years and months you save off your loan term.
  4. It also shows the total interest saved — often a very significant amount over a 20-year loan.
  5. Even a small extra payment (the equivalent of one extra payment per year) makes a meaningful difference over the long term.
  6. The ✓ print button exports this comparison for your records.
💳 Your Loan
11.5%
20 yrs
R2,000
Even R500/month makes a meaningful difference over 20 years
You Save
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in total interest
Standard Monthly
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New Monthly
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Standard Term
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without extra payment
New Term
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–
Total Interest (standard)
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Total Interest (with extra)
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Amortisation Schedule

See exactly how your loan balance, capital and interest payments change year by year over the full loan term.

How to use — Amortisation Schedule
  1. Enter your loan amount, interest rate and term.
  2. The year-by-year table shows: opening balance, capital paid, interest paid, closing balance, and percentage paid off for each year.
  3. Highlighted rows mark key milestones — year 5, year 10, the halfway point (✅), and final year.
  4. Notice how early years are mostly interest — this is why extra payments early in the loan have the greatest impact.
  5. Use this table to understand exactly how much of your payments actually reduce the debt vs how much goes to the bank as interest.
📊 Loan Details
11.5%
20 yrs
Monthly Payment
–
Total Interest
–
📅 Year-by-Year Schedule
Year Opening Balance Capital Paid Interest Paid Closing Balance % Paid Off