Property Investment Calculators
South African property has historically appreciated at 5–8% per year, with rental yields averaging 6–9% gross depending on location and property type. Use these calculators to analyse any investment opportunity before you commit.
Rental Yield Calculator
Calculate gross and net rental yield for any investment property
Buy vs Rent Calculator
Compare the true financial cost of buying vs continuing to rent
Property ROI Calculator
Calculate total return on investment including rental income and capital growth
Property Flipping Calculator
Estimate profit from a buy-renovate-sell strategy including all costs
Rental Cash Flow Calculator
Monthly cash flow analysis for a rental property after all expenses
Airbnb vs Long-Term Rental
Compare short-term letting income vs long-term rental income
Property Appreciation Calculator
Project future property value based on historical appreciation rates
Leverage Calculator
Understand how leverage amplifies both returns and risks in property investment
Tenant Screening Calculator
Check tenant affordability using income-to-rent ratio, DTI analysis, and risk score
Property Crowdfunding Calculator
Project returns on JSE-listed REITs, crowdfunding platforms, and fractional ownership
Gautrain Property Premium Calculator
Estimate how much a Gautrain station adds to property value near Sandton, Rosebank, Hatfield and 7 other stations
Property Exit Strategy Calculator
Compare sell, rent out, refinance, and bequeath strategies with CGT and 10-year wealth projections
Property Cap Rate Calculator
Calculate capitalisation rate for commercial property using NOI vs SAPOA sector benchmarks
Bachelor Flat ROI Calculator
Calculate yield, cash flow, and 10-year ROI for bachelor flat investment — SA's highest-yielding property type
Property Investment in South Africa
Property investment decisions in South Africa are heavily influenced by the interest rate cycle. At a prime rate of 10.25%, a rental yield of at least 8–9% is typically needed for a bond-financed investment to be cash-flow positive. Properties in high-demand nodes (Cape Town, Sandton, Umhlanga) often show lower yields but stronger capital growth.
The buy-vs-rent decision is nuanced in South Africa's current environment — rising transaction costs and bond costs mean that buyers need to hold for at least 5–7 years to break even vs renting and investing the difference.