BondCalc: Loan Calculator

BondCalc is a powerful home loan and mortgage calculator designed for South African homeowners and first-time buyers. Estimate repayments, explore affordability, and understand how interest and extra payments affect your loan over time. ⚠️ BondCalc is a financial calculator for estimation purposes only. It does not provide loans, lending services, or financial products. UNDERSTAND YOUR HOME LOAN Add one or more loans and view a detailed repayment breakdown over time: Month-by-month amortisation schedule See how much goes to interest vs capital View remaining balance at any point in time Supports fixed and variable (prime-linked) interest rates EXPLORE EXTRA PAYMENTS See how additional payments can impact your loan: Add once-off or recurring extra payments Compare scenarios with and without extra contributions Estimate interest savings and reduced loan term Visual charts to track balance changes over time DAILY INTEREST INSIGHTS Understand how interest builds up: Daily breakdown of interest calculations See how timing of payments affects your balance Useful for access bond scenarios INTEREST RATE SCENARIOS Test how interest rate changes affect your repayment: Simulate different rate increases or decreases Compare multiple loan term options Quickly see the impact on monthly installments ANNUAL OVERVIEW Get a high-level summary of your loan: Yearly interest paid and capital repaid Remaining balance per year Visual indicators of repayment progress AFFORDABILITY ESTIMATOR Estimate what you may be able to afford: Input income, expenses, and existing commitments Calculate Net Disposable Income (NDI) Estimate a potential bond amount based on typical lending guidelines Includes transfer and registration cost estimates PRIVATE & OFFLINE No account required No data collection Works fully offline Your data stays on your device BUILT FOR SOUTH AFRICA Rand (R) currency support Prime interest rate adjustments Local cost estimates aligned with current guidelines Designed around common South African lending practices TAKE CONTROL OF YOUR FINANCES Use BondCalc to better understand your home loan and make informed financial decisions with clear, simple calculations.