BondCalc: Loan Calculator

LotusEffect

About this app

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.