Phase 2: Risk Architecture · Tax Exposure.
The Income Tax Liability Engine.
Calculate your exact marginal tax exposure based on official SARS 2026/27 tables. Understand how traditional income structures are penalizing your wealth.
Enter your gross monthly salary and age. Rates as of Budget 2026. Consult a tax practitioner for the latest.
AS Brokers – Income Tax Calculator
Calculate your South African PAYE based on 2026/27 tax tables (Budget 2026).
Your total monthly salary before deductions.
Age affects tax rebates (65+ and 75+ get extra).
This calculator uses official SARS 2026/27 tax brackets and rebates (Budget 2026).
About this estimate: This calculator provides an estimate based on SARS 2026/27 tax brackets and rebates (Budget 2026). It does not account for UIF, medical aid tax credits, retirement fund contributions, or other deductions that may reduce your tax liability. Rates as of Budget 2026. Consult a qualified tax practitioner for the latest.
Understanding Your Retirement Income Tax Position
The calculator above estimates your South African income tax based on the income you entered and the current 2026/27 SARS tax tables (Budget 2026). Its purpose is simple: to show you how much income you actually keep after tax, not just what you earn before tax.
In retirement, tax matters more than most people expect. Income usually comes from multiple sources, such as living annuities, dividends, interest, rental income, or business income, and each is taxed differently. When these income streams overlap, retirees are often pushed into higher tax brackets without realising it.
What This Calculator Shows
This calculator helps you:
- Estimate your annual income tax payable
- See your effective tax rate (what you really pay overall)
- Understand your net income after tax
- Test how changes in income affect your tax outcome
Many retirement plans fail not because investments perform badly, but because tax is underestimated or poorly structured. Small inefficiencies compound over time and quietly erode both income and capital.
The Fiduciary Advantage: Tax Arbitrage
Standard interest-bearing investments are penalized by marginal tax rates (up to 45%). By restructuring capital into private equity preference shares (such as Everest Wealth), your yields are subjected to a flat 20% Dividend Withholding Tax (DWT). This single structural change can drastically increase your net take-home yield.
The Real Question
The real retirement tax planning question is not: "How much tax do I pay?"
but rather: "How do I structure my income so that I keep more of it, legally and sustainably?"
This calculator shows you what is happening. Proper planning focuses on why, and how to improve it.
Who This Tool Is Designed For
If your income does not come from a single payslip, or if you are relying on multiple income sources in retirement, this tool is designed for you.
Restructure Your Tax Liability.
Stop paying marginal rates on your investment growth. Let our wealth engineers structure your capital for maximum tax efficiency.
Initiate Tax-Efficient Structuring →