See how every bond repayment splits between interest and the loan itself, year by year — and how much time and interest extra payments save. Nothing is stored. No email needed.
What extra payments do
Interest saved
R0
paid off sooner
Year by year
With your extra payments. interest paid off the loan
| Year | Paid | Interest | Off the loan | Still owed | Split |
|---|
An estimate, not a bank statement. It assumes the rate stays the same for the whole term and interest is charged monthly on the balance. South African bonds usually move with prime, and your bank's figures will differ slightly. Before paying extra, ask your bank whether extra payments go straight off the capital and whether you can take them out again later (an access bond).
Related: bond affordability calculator · transfer costs calculator · debt payoff calculator
How To South Africa is independent. Last checked 9 October 2026.