About MortgageCalculator.co.za
Who We Are
MortgageCalculator.co.za is an independent, South African–focused financial calculator platform. We are not a bank, bond originator, estate agent, or financial services provider. We are simply a team of developers and property enthusiasts who believe that understanding the numbers behind property transactions should be free and accessible to everyone.
Our Mission
South African property transactions involve dozens of fees, taxes, and calculations that can be confusing and opaque. Transfer duty, bond registration costs, conveyancing fees, estate agent commission, capital gains tax — the list goes on. We built this platform to make property finance transparent, so that buyers, sellers, and investors can walk into any transaction fully informed.
Our mission is simple: give every South African access to the same financial clarity that a qualified professional would provide, completely free of charge.
What We Offer
MortgageCalculator.co.za provides 50+ free online calculators covering every stage of the property journey:
- Bond calculators — repayments, affordability, amortisation, extra payments, and more
- Buying cost calculators — transfer duty, bond registration, conveyancing fees, total costs
- Selling calculators — agent commission, capital gains tax, net proceeds
- Investment calculators — rental yield, ROI, buy vs rent, cash flow
- Refinancing calculators — bond switching, lump sum payments, settlement amounts
- Tax and legal calculators — transfer duty, estate duty, donations tax
- Ongoing cost calculators — rates, levies, maintenance, insurance
- Specialist calculators — construction, renovation, bridging finance, solar ROI
All calculators are updated with current 2026 South African rates, including the latest SARS transfer duty tables, prime lending rate, and gazetted fee schedules.
How We Make Money
The calculators are completely free to use, with no registration required. We currently operate without advertising. In the future we may introduce contextually relevant display advertising and affiliate referrals to financial service providers. Any such arrangements will be clearly disclosed and will never influence the accuracy of our calculations.
Accuracy & Updates
We take accuracy seriously. All rate tables and fee schedules are reviewed and updated whenever South African authorities publish changes — including SARS transfer duty announcements, SARB prime rate decisions, and deeds office fee gazette notices.
That said, our calculators provide estimates only. Final figures will depend on your specific circumstances, the bank or attorney involved, and prevailing market conditions at the time of your transaction. Always confirm final figures with a qualified professional before committing to any financial decision.
Contact Us
Found an error, outdated rate, or have a suggestion for a new calculator? We welcome feedback. Please see our disclaimer and privacy policy for more information about how we operate.