Your numbers, your timeline, your decision. Free tools for sellers who want clarity before they list, and buyers who want the full picture before they commit.
The gap between the sale price and what lands in your account is bigger than most sellers expect. Here's what a typical R2.5M property sale actually looks like:
Whether you're thinking of selling or buying, choose your path and get the numbers you actually need.
Your statement shows the sale price less agent commission (at the exact rate you negotiate), bond settlement, the early cancellation penalty, transfer and compliance costs. Every line itemised, no rounding, no surprises. This is what actually lands in your account.
Your bond repayment, monthly levies, rates, and insurance don't stop while you deliberate. Waiting 12 months isn't free — it's your holding cost multiplied by twelve. We show you the number clearly so the decision to delay is at least a conscious one.
We model all three paths using your inputs. What monthly income could you generate if you let the property? What would refinancing cost you, and what equity could you unlock? No preferred outcome — just the numbers, side by side, so you can make the call.
The listed price is just the start. Run any of these calculators instantly — no sign-up needed. Then get your full personalised buyer report emailed to you.
SARS official tables — no transfer duty under R1.1M for first homes.
Monthly repayment at any purchase price and deposit.
Deposit + duty + attorney fees + bond registration.
What the banks will typically lend at your income level.
The numbers you've worked out are worth keeping. Enter your email and we'll send your transfer duty, bond repayment, upfront cost, and affordability figures straight to your inbox — easy to reference later or share with a partner.
Your figures from the calculators above will be included.
Zettl exists because we have seen too many people make important property decisions without truly understanding what those decisions will cost them.
We have watched sellers agree to sell without knowing what they would actually walk away with. We have seen buyers stretch themselves based on a purchase price, only to discover too late how much cash was really required on the day of transfer. In most cases, the information was not hidden — it was simply fragmented, technical, or presented after the point where it could still change the outcome.
That did not sit right with us.
So we built Zettl to bring that information forward. Not to replace advisers or push people toward a particular outcome, but to give people the same clarity earlier, when it still matters.
The tools on this site exist to help you understand your position, explore your options, and make decisions with fewer surprises and fewer regrets. We believe that financial clarity should come before commitment, not after it.
That is why these tools are free to use. Good information should not be locked behind mandates, commissions, or pressure to proceed. You deserve to understand the numbers before anyone benefits from your decision.
Zettl is not an estate agency. We do not list properties or negotiate sales. The tools on this site exist to help people understand their position and options before committing to anything.
You can use every calculator and resource here without speaking to anyone.
All tools on Zettl are free for you to use. There are no time limits, no upgrades, and no requirement to engage.
We believe financial clarity should come before commitment, not after it becomes difficult to change course.
Zettl is free for you to use. We are funded by introductions, when you choose to speak to a relevant professional to further explore your options.
Your details are only shared when you choose to connect, and the tools on this site work exactly the same whether or not you ever decide to speak to anyone.
Ranges are fine — we don't need exact figures at this stage.
This is what lets us calculate your real net position — not the headline figure.
No wrong answers — this helps us frame your results clearly.
Your figures are calculated. Enter your details and we'll send your full seller assessment straight to your inbox — net proceeds, holding costs, and a complete cost breakdown.
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Open any calculator for instant results. No sign-up needed to use the tools — email at the bottom to get your full compiled report.
Government tax on purchase. SARS official tables. First homes under R1.1M pay nothing.
SARS table effective March 2023. First-time buyer relief applies to primary residences under R1.1M.
Monthly repayment at any purchase price and deposit. Compare 20 vs 30 year terms.
Uses prime rate 11.25% (March 2026). Actual rate depends on your credit profile and negotiation with the bank.
Everything you need in cash on the day of transfer. No surprises.
Bond registration fees are an estimate. Your conveyancer will confirm exact amounts before transfer.
What the banks will typically lend based on your gross income and existing debt.
Banks typically cap debt repayments at 30% of gross income. This includes your new bond repayment.
We'll compile all four results — transfer duty, bond repayment, total upfront cash, and affordability — into a single clean report emailed directly to you. Keep it, share it with your partner, or use it when talking to a bank.
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