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 |
|---|---|
| Monthly Rental Income (R) | R400,000 |
| Annual Allowable Expenses — rates, insurance, repairs (R) | 5% |
| Annual Bond Interest (R) | 5% |
| Your Annual Employment Income (R) | R400,000 |
After entering these figures, review annual rental income, net rental income (after deductions) and additional income tax together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Annual Rental Income
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.
Net Rental Income (after deductions)
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.
Additional Income Tax
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Net After Tax
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Effective Rental Tax Rate
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Total Deductions
The headline outcome of this calculation. It is most useful when read alongside the supporting metrics rather than in isolation.
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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