Tools
Bond calculator
See your monthly home loan repayment, the total interest over the term, and what paying a little extra each month could save.
Your home loan
What it costs
Loan amount
R1,350,000
Total interest
R1,939,342
Total repaid
R3,289,342
Buying costs, paid upfront
R81,322
Gross income guide
R45,685 / month
Monthly repayment
R13,706
| Term | Repayment | Total interest | Total repaid |
|---|---|---|---|
| 20 years | R13,706 | R1,939,342 | R3,289,342 |
| 25 years | R12,988 | R2,546,476 | R3,896,476 |
| 30 years | R12,602 | R3,186,719 | R4,536,719 |
Next step
There is more to pay than the bond. See all the costs of buying.
How this works
- The rate is nominal, compounded monthly, and stays the same for the whole term. Most South African bonds have a rate that moves with prime.
- The repayment does not include monthly service fees or insurance.
- A planning tool, not a quote or financial advice.
Common questions.
More calculators.
Keep reading.
Housing · October 1, 2026
Should I invest or pay off my home loan?
A practical South African guide to putting extra money into your bond or investing it. Compare the after-fee return with your bond rate, then run your own rands in the free calculator.
Debt · September 24, 2026
SA interest rate hike: what 0.25% means for your bond, car, and budget
Repo moved to 7.25% and prime to 10.75%. See illustrative bond bumps, what else reprices, why fuel and inflation matter, and a free calculator for your own balance.
Debt · November 9, 2026
What is a good credit score in South Africa?
What counts as a good credit score in South Africa, how to check your report for free, what affects your score and how long information stays on your record.
