Property Investment Calculators
South African property has historically appreciated at 5–8% per year, with rental yields averaging 6–9% gross depending on location and property type. Use these calculators to analyse any investment opportunity before you commit.
Rental Yield Calculator
Calculate gross and net rental yield for any investment property
Buy vs Rent Calculator
Compare the true financial cost of buying vs continuing to rent
Property ROI Calculator
Calculate total return on investment including rental income and capital growth
Property Flipping Calculator
Estimate profit from a buy-renovate-sell strategy including all costs
Rental Cash Flow Calculator
Monthly cash flow analysis for a rental property after all expenses
Airbnb vs Long-Term Rental
Compare short-term letting income vs long-term rental income
Property Appreciation Calculator
Project future property value based on historical appreciation rates
Leverage Calculator
Understand how leverage amplifies both returns and risks in property investment
Property Investment in South Africa
Property investment decisions in South Africa are heavily influenced by the interest rate cycle. At a prime rate of 10.25%, a rental yield of at least 8–9% is typically needed for a bond-financed investment to be cash-flow positive. Properties in high-demand nodes (Cape Town, Sandton, Umhlanga) often show lower yields but stronger capital growth.
The buy-vs-rent decision is nuanced in South Africa's current environment — rising transaction costs and bond costs mean that buyers need to hold for at least 5–7 years to break even vs renting and investing the difference.