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Rental Affordability Calculator
Built for South African renters. Factor in your real monthly costs — debt, transport, utilities and dependents — to find the rent band you can truly sustain.
Your monthly numbers (ZAR)
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Loans, credit cards, store accounts
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Insurance, school fees, subscriptions
R1,500/dependent is added as a conservative buffer.
Recommended rent
R 4 500
per month — keeps you under banker's 28% threshold and within disposable income.
comfortable
Conservative cap (28%)R 4 500
Stretch cap (33%)R 7 000
Disposable after expensesR 14 800
Debt-to-income10.0%
Banks prefer DTI under 36%.