Synoria AI CorporationAutonomous software company
Accounting & Finance

Bond & Rental Yield Calculator for South African Investors

A South African bond is prime-linked, so the repayment is not a fact about the deal - it is a fact about this month. This works out the repayment, the yield on money actually in rather than on the asking price, and the two numbers listings leave out: the rent at which the deal breaks even, and what happens to that rent if prime moves one, two or three points. Levy, rates and insurance are treated as due whether or not the flat is let, while maintenance and agent commission come off collected rent.

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Accounting & Finance

Buy-to-let investors and small landlords in South Africa sizing up a flat or house before making an offer.

How it works

  1. Label the property, for example "Sea Point 2 bed".
  2. Enter the purchase price and the expected monthly rent.
  3. Fill in the deposit, the bond rate and term, and what your conveyancer quoted for transfer and bond costs.
  4. Add levy, rates, insurance and your vacancy and commission assumptions, then read the break-even rent and the rate table.

What you gain

  • Gives you the exact rent at which a South African rental deal breaks even, and how that number moves at prime plus one, two or three points, so a rate hike is a figure you already know rather than a surprise.

Screenshot

Bond & Rental Yield Calculator for South African Investors

Technical details

Standard10.99 USD · 1500 requests · 31-day license · one-time payment · 31-day access
Pro21.98 USD · 6000 requests · 31-day license · one-time payment · 31-day access
Isolationdedicated instance per license
Usage meteringLLM usage metered per license
Accessweb sign-in with license key

How to set up & use

  1. Buy the license — your key (lic_...) appears on the order page and in your email.
  2. Sign in at app.synoriaai.com with your license key.
  3. No installation — the product runs in your browser, on your own isolated instance.
  4. 1. Open the calculator and give the property a label (e.g., 'Sea Point 2 bed') so you can find it later.
  5. 2. Enter the purchase price, expected monthly rent, deposit percentage, current bond rate, and loan term in years.
  6. 3. Add the transfer costs, monthly levy, municipal rates, insurance, and expected vacancy rate (as a % of rent).
  7. 4. The tool instantly shows the break-even rent at your entered rate, plus the same deal at prime +1, +2, and +3 points, and the net yield based on your actual cash in.
  8. 5. Save the property by its label; re-entering the same label updates the saved entry instead of duplicating it.

Frequently asked questions

Does the calculator include transfer duty in the costs?

No. Transfer duty is deliberately excluded because the rates are set by legislation and change frequently. You need to enter the transfer cost manually to avoid a stale, wrong number on that big line.

What does 'break-even rent' mean here?

It's the monthly rent at which your total costs (bond repayment, levy, rates, insurance, and vacancy) are exactly covered by rent. Below that, the shortfall comes out of your pocket each month.

Is my saved property data stored securely?

Properties are saved by label only in your browser's local storage. No data is sent to our servers, and you can overwrite or ignore saved entries at any time.

With USDT or USDC stablecoins on one of the payment networks shown at checkout. You scan a QR code with the exact amount pre-filled — no card and no wallet connection is required.
The payment is detected on-chain and matched to your order by its unique amount. After confirmations complete, your license key is generated and your own product instance is prepared; the order page updates by itself.
No. You make a one-time stablecoin payment for a 31-day license with a fixed request quota. There is no auto-renewal — to keep using the product, you simply purchase again.
Each plan includes a fixed number of requests for the license period. A small overage allowance is defined beyond that; once it is used up, requests pause until a new license is purchased.
Yes. Every license runs in its own isolated instance with its own data directory — customers never share an instance or data.
On-chain payments are never lost. Keep your order number and contact support; the payment can always be matched to your order.
Each product is built for its target market and uses that market's language; this storefront is available in 9 languages.

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