Continue your plan
Useful next calculations
When to use this calculator
- Before buying, renting, refinancing or reviewing a property investment.
- When you want to compare cash flow, tax, yield or ownership costs.
- When you need a fast estimate before speaking to an agent, lender or adviser.
- When you want to see how a rate or price change moves the result.
A realistic South Africa planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Purchase Price (R) | R0.30 |
| Current Value (R) | R1,400 |
| Years Held | 25 years |
After entering these figures, review total growth, annualised and profit together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Total Growth
The headline outcome of this calculation. It is most useful when read alongside the supporting metrics rather than in isolation.
Annualised
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Profit
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Method & assumptionsAuthoritative sources
This calculator uses three inputs — purchase price, current value, and years held — to produce total percentage growth, annualised compound growth, and the absolute profit figure. Total growth is calculated as (current value minus purchase price) divided by purchase price, multiplied by 100. Annualised growth uses the compound annual growth rate formula: (current value divided by purchase price) raised to the power of one divided by years held, minus one, expressed as a percentage.
The profit figure shown is the gross gain before costs. A realistic net profit should deduct property transfer tax paid on purchase, conveyancing and survey fees, any capital improvements (which also reduce your CGT liability on disposal), and selling costs including estate agent fees and legal fees on sale. Capital Gains Tax is also payable on disposal of investment property; the chargeable gain should be reported to tax authority within 60 days of completion. The calculator does not account for inflation or rental income received during the holding period, both of which are relevant to an overall investment assessment.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
Frequently asked
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