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RSA Property calculator

Amortisation Calculator South Africa

See exactly how your bond balance changes as each repayment is divided between principal and interest.

Rates verified 23 September 2026

Your figures

Change any value to recalculate instantly.

Your estimate

Calculated from the figures entered.

Monthly repaymentR0for the selected term
Total interest R0
Total repaid R0
Interest in first 12 months R0
Principal repaid in first 12 months R0

Repayment schedule

Month-by-month split between principal and interest.

MonthPaymentPrincipalInterestBalance
Planning estimate Interest rates and lending decisions vary by bank and applicant. The default rate is a starting point and can be changed in the calculator.