South African Property Investment Calculator

Make informed property investment decisions with our comprehensive calculator designed specifically for the South African property market. Whether you're considering your first investment property or expanding your portfolio, our calculator provides detailed financial projections to help you understand the true potential of your investment.

This powerful tool analyzes multiple aspects of property investment including bond repayments, rental income, operating costs, tax benefits, and capital growth. Get instant insights into cash flow projections, return on investment (ROI), break-even points, and long-term wealth creation over 20+ years.

Key Features:

  • Calculate monthly bond repayments and interest costs
  • Project rental income with annual escalation rates
  • Factor in vacancy rates and management fees
  • Account for all operating costs (levies, rates, insurance, maintenance)
  • Calculate tax benefits from property investment
  • Track equity growth and property value appreciation
  • Identify break-even points and positive cash flow milestones
  • Generate detailed monthly and yearly cash flow reports
  • Visualize ROI growth over time with interactive charts
  • Export comprehensive analysis reports

Note: This calculator provides estimates based on the values you enter. Results should be used as a guide only. Please consult with a qualified financial advisor for professional investment advice tailored to your specific circumstances.

Property Details

Financing

Rental Income

Operating Costs

Growth Rates

Investment Analysis Results

Total Initial Investment
R280,000
Monthly Bond Payment
R17,960
Year 1 Monthly Cash Flow
-R6,893
Gross Rental Yield
9.6%

Monthly Cash Flow Projection

Year Rental Income Total Costs Pre-Tax CF Tax Benefit After-Tax CF

Detailed Cash Flow Analysis

Period Property Value Bond Balance Equity Rental Income Vacancy Loss Net Rental Bond Payment Interest Principal Other Costs Cash Flow (After Tax) Cumulative CF ROI %
Positive Cash Flow
Year 9
Break-Even Point
Year 11
100% ROI
Year 14
Bond Paid Off
Year 20
5-Year ROI
185%
10-Year ROI
650%
20-Year ROI
2,340%
20-Year Property Value
R6.8M