Private comparison tool

Monthly Homeownership Cost Planner

Compare the carrying cost of two homes instead of comparing bond instalments alone. Values remain in your browser and are not submitted.

Home A Scenario name Bond repayment (R) per month Municipal rates and taxes (R) per month Levies or association fees (R) per month Building and household insurance (R) per month Electricity, water, refuse, and connectivity (R) per month Maintenance reserve (R) per month Commuting change (R) per month Other annual costs (R) per year Once-off repairs, moving, or setup (R) once-off Months used to spread once-off costs

Home B Scenario name Bond repayment (R) per month Municipal rates and taxes (R) per month Levies or association fees (R) per month Building and household insurance (R) per month Electricity, water, refuse, and connectivity (R) per month Maintenance reserve (R) per month Commuting change (R) per month Other annual costs (R) per year Once-off repairs, moving, or setup (R) once-off Months used to spread once-off costs

Monthly comparison

Home A

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Home B

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What the monthly equivalent means

Monthly items are added directly. Annual costs are divided by 12. Once-off costs are divided over the number of months you choose, making near-term repairs or moving costs visible without pretending they recur forever. Change that period to understand the short-term cash-flow pressure.

This planner does not predict future increases, special levies, emergencies, tax treatment, or financing changes. Obtain current written figures and keep an emergency reserve separate from planned maintenance.