Useful next calculations
Rates and sources, 2026/27
SARS transfer duty scale in force from 1 April 2025 (no change from 1 April 2026). One scale is published for all purchasers.
| Band or figure | Rate |
|---|---|
| No duty up to | R1,210,000 |
| 3% band | R1,210,001 – R1,663,800 |
| 13% band | above R13,310,000 |
Source: SARS — transfer duty rates. Source checked for 2026/27.
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 |
|---|---|
| Purchase Price (R) | 2 500 000 |
For those figures the calculator returns:
- Transfer duty: R67 200,00
- Effective rate: 2.70%
- Est. conveyancing fees: R30 000,00
- Total upfront costs: R97 200,00
How to read your results
Effective Rate
The effective rate lets you compare options on a like-for-like basis rather than being misled by different compounding periods or fee structures.
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
Transfer duty is a tax levied by SARS on the acquisition of property in South Africa. It is payable by the buyer within six months of the date of the sale agreement. The rate is progressive, with properties up to R1,210,000 attracting no transfer duty. SARS publishes one scale and this calculator applies it to every purchaser.