Cost & affordability calculators
Know what a property will really cost — and what you can really afford — before you sign. Estimates use the current SARS transfer duty tables and guideline conveyancing tariffs, prepared by the attorneys on App Realtors.
Capital gains tax only applies when you’re selling — it has its own calculator page.
Transfer costs
The full purchase price in the offer to purchase.
Estimated total transfer costs
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Breakdown
| Transfer duty (SARS)Below duty threshold | — |
|---|---|
| Attorney feeGuideline tariff | — |
| Postage & petties | — |
| Electronic document generation fee | — |
| Deeds Office search | — |
| Deeds Office fee | — |
| Rates clearance certificate fee | — |
| FICA fee | — |
| Transfer duty submission fee | — |
| VAT on fees | — |
| Total (incl. VAT) | — |
Bond registration costs
The amount the bank will register as a mortgage bond.
Estimated total bond registration costs
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This covers your bond attorney's costs only. Your bank charges its own bond initiation fee separately (typically R5,000–R10,000) — check your loan quote.
Breakdown
| Bond attorney's professional feeGuideline tariff | — |
|---|---|
| Postage & petties | — |
| FICA fee | — |
| Electronic instruction fee | — |
| Deeds Office registration fee | — |
| Deeds Office search | — |
| VAT on fees | — |
| Total (incl. VAT) | — |
Bond repayments
Estimated monthly repayment
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Enter a purchase price to estimate your repayment.
Over the full term
- Bond amount
- R 0
- Total repaid over 20 years
- —
- Total interest
- —
- Indicative gross income required (±30% guideline)
- —
Banks assess affordability on your full financial position; the income guideline above is indicative only and not a credit decision. Interest rates are bank- and profile-specific.
Affordability
Combined gross income of all applicants, before tax.
Car finance, credit cards, store accounts and other loan repayments.
Estimated maximum purchase price
—
Enter your gross monthly income to estimate your buying power.
About this estimate
This is an estimate, not a pre-approval. Banks assess affordability under the National Credit Act using your full income, expenses and credit record, which may produce a different result.
Important information
Transfer duty per SARS 2025/26 tables. Deeds Office registration fees per the tariff effective 1 April 2026 (GN 7180, Government Gazette 54225). Conveyancing fees per the LSSA Conveyancing Fee Guideline effective 1 July 2026. Professional fees are guideline estimates, not a minimum or maximum — the appointed conveyancer's final account may differ.
Calculator results are estimates only and may differ from actual costs. Fees, duties and other charges may change and depend on the transaction. Please obtain a formal quotation from the relevant attorney or service provider.
Information provided by App Realtors is general information and does not constitute legal or financial advice.
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Want an exact figure for your transaction?
Speak to an App Realtors attorney in your area — or start with a Free Property Market Assessment.