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 worked example
These are the example figures the calculator opens with.
| Input | Value |
|---|---|
| Monthly Rental Income (R) | 12 000 |
| Annual Allowable Expenses — rates, insurance, repairs (R) | 0 |
| Annual Bond Interest (R) | 0 |
| Your Annual Employment Income (R) | 0 |
For those figures the calculator returns:
- Annual rental income: R144 000,00
- Net rental income (after deductions): R144 000,00
- Additional income tax: R8 100,00
- Net after tax: R135 900,00
- Effective rental tax rate: 5.60%
- Total deductions: R0.00
How to read your results
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.
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.
Questions people ask
Rental income in South Africa is not taxed separately — it is added to your other taxable income and taxed at your marginal rate under SARS’s normal income tax system. The net rental amount (gross rent less allowable deductions such as bond interest, rates, levies, insurance, and repairs) is included in your annual tax return. Depending on your total income, this could push you into a higher tax bracket, increasing the effective rate payable on the rental portion.