Bond Calculator

Bond Information

Bond Amount The total amount of the bond

Bond Period (Months) The number of months to repay the bond

Bond Additional Payments Any extra payments made towards the bond

Remuneration

Gross Salary Combined monthly gross household salaries

Subsidies Received Total of all subsidies (e.g. housing)

Commission Received Average monthly commission received

Total Allowances Total of all subsidies (e.g. housing)

Other Remuneration Average monthly commission received

Other Income

Dividend Income Average monthly dividend earnings

Rental Income Income from property rentals

Maintenance Income from maintenance

Other Any income from monthly pension

Deductions

Pension Total monthly pension fund deductions

Medical Aid Total monthly medical aid deductions

Retirement Annuity Total Retirement Annuity deductions

Income Tax (PAYE) Total income tax deductions

Unemployment Fund (UIF) Total monthly Unemployment Fund (UIF) deductions

Skills Development Levy (SDL) Total monthly Skills Development Levy (SDL) deductions

Other Deductions Total monthly other Deductions

Operational Expenses

Rent Rent, mortgage, property rates

Water & Electricity Water, electricity, gas

Rates & Taxes Property taxes and rates

Repairs & Maintenance Home repairs and maintenance

Levies Levies paid for property

Phone & Internet Mobile, landline, internet services

Short-Term Insurance Car, home, and other short-term insurance

Life Insurance Life insurance premiums

Medical Costs Medical expenses not covered by medical aid

RA Investments Retirement annuity investments

Other Investments Other investment contributions

Donations Charitable donations

Education School fees, tuition, supplies

Fuel & Vehicle Fuel, vehicle payments

TV Rental TV subscriptions and rentals

Memberships Gym, clubs, other memberships

Subscriptions Streaming services, magazine subscriptions

Domestic Wages Wages for domestic help

Gardening Garden maintenance expenses

Groceries Monthly grocery and household item expenses

Clothing Clothing and footwear

Entertainment Entertainment, movies, events

Maintenance Payments Maintenance payments to ex-spouse, etc.

Other Operational Expenses Any other operational expenses

Financing Expenses

Bond Repayments Home loan repayments

Loan Instalments Personal or business loan repayments

Vehicle Financing Vehicle finance repayments

Computer Financing Computer and equipment finance repayments

Furniture Financing Furniture finance repayments

Credit Card Credit card repayments

Bank Charges Monthly bank service fees and charges

Other Financing Other financing-related expenses

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