Renter → Owner journey
Rent-to-Own Tracker
Every rand of rent doesn't have to vanish. See exactly how your monthly savings turn into a deposit, and project the day you collect the keys.
Your numbers
R
R
What you put aside for the home, separate from rent.
R
R
Most SA banks reward 10%+ with better rates.
Deposit needed
R 95 000
10% of R 950 000
Time to deposit
3.3 yrs
Target: Oct 2029
Progress to deposit16%
R 15 000 savedR 80 000 to go
Bond projection
Home loan
R 855 000
Est. monthly bond
R 8 825
vs current rent
+R 825
Assumes 11% prime over 20 years. Actual rate depends on your credit profile.
Your journey milestones
- Spark10%
You've made the decision. Account opened, goal set.
- Foundation25%
First quarter saved. Habits locked in.
- Halfway50%
Visible progress. Start house hunting research.
- Final stretch75%
Approach banks for pre-approval.
- Deposit ready100%
Make your offer to purchase. Keys are next.
Track this for real.
Save your goal, log monthly contributions, and watch your readiness score climb.