Money Cat › Calculators

Free South African property, bond and car finance calculators

Money Cat is a set of 16 free calculators built on South African rules: the SARS transfer duty and income tax tables, the National Credit Act affordability test and fee caps, and prime at 10.75%, in force from 25 September 2026. There is no sign-up, and the figures you type stay in your browser.

Home loan and bond calculators

• Home Loan & Bond Repayment Calculator South Africa

  Home loan repayment calculator for South Africa. Compare two bond plans: repayment, total interest, payoff month and what an extra R2,000 a month saves.

• Home Loan Affordability Calculator South Africa

  How big a home loan can a bank legally grant you? Runs the NCA Regulation 23A test, with the gazetted minimum living expense most calculators leave out.

• Bond Switching Calculator South Africa

  Weigh a lower bond rate against the cancellation attorney, new registration and penalty interest, and read the month the switch breaks even.

• Interest Rate Increase Calculator for SA Bonds

  Stress-test your bond against a rate rise. See the new repayment, the extra over the remaining term, and the payment as a share of income.

• FLISP & First Home Finance Subsidy Calculator

  Check the once-off First Home Finance (FLISP) subsidy your household income points to, on the NHFC sliding scale from R169,265 down to R38,911.

Property investment and rental calculators

• Buy-to-Let Property Investment Calculator SA

  Grade a South African buy-to-let: cashflow, gross and net yield, cash-on-cash return, SARS transfer duty and the year cashflow turns positive.

• Rent vs Buy Calculator South Africa

  Compare buying against renting and investing the difference. Net wealth on both paths, the break-even year, and the SA price-to-rent gauge.

• Moving Cost & Rental Comparison Calculator SA

  Price a move between two rentals on full running costs, not just rent. See the monthly saving and the month it repays what the move cost.

• Airbnb vs Long-Term Rental Calculator SA

  Compare short-letting on Airbnb against a long lease after cleaning, platform fees, rates and SARS, with the break-even occupancy.

• Rental Income Tax Calculator South Africa

  Work out tax on a rental year: rent received, the expenses SARS allows, and the tax on the profit at your marginal rate. Ring-fencing flagged.

Car finance calculators

• Car Affordability Calculator South Africa

  How much car can you afford in South Africa? Runs the 15% payment cap, 20/4/10 and the 1/10th rule, with fuel, insurance and upkeep counted.

• Car Finance & Balloon Payment Calculator SA

  South African vehicle finance calculator: instalment, NCA fees, the legal rate ceiling, the interest a balloon adds and the lump sum owed at the end.

Tax, budget and debt calculators

• Property Capital Gains Tax Calculator South Africa

  Capital gains tax on a South African property sale, with the R3 million primary-residence exclusion, the R50,000 annual exclusion and your rate.

• Two-Pot Withdrawal Tax Calculator South Africa

  What a two-pot savings withdrawal costs: tax at your marginal rate today, and the retirement growth you give up. Minimum withdrawal is R2,000.

• 50/30/20 Budget Calculator South Africa

  Split your take-home pay with 50/30/20, 70/20/10, 80/20 or 60/30/10, in rands, with the catch on each rule and where the car fits.

• Debt Snowball vs Avalanche Payoff Calculator

  List your debts and compare snowball against avalanche on the same budget: total interest, months to debt-free, and the order to pay in.

Guides and explainers for each calculator. Money Cat is an information tool, not financial or legal advice.