Continue your plan
Useful next calculations
When to use this calculator
- Before accepting a pay change, bonus or contribution arrangement.
- When you want a simple take-home or conversion estimate before payroll or filing.
- When you need to convert between hourly, monthly and annual pay.
- When you want to compare two pay scenarios using the same assumptions.
A realistic South Africa planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Proceeds from Sale (R) | 2000000 |
| Base Cost (original cost + improvements) (R) | R500 |
| Other Taxable Income (R) | R400,000 |
| Asset Type | Shares / unit trusts |
After entering these figures, review capital gain, primary residence exclusion and taxable gain (40% inclusion) together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Capital Gain
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Primary Residence Exclusion
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Taxable Gain (40% inclusion)
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
CGT Payable
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Effective Rate
The effective rate lets you compare options on a like-for-like basis rather than being misled by different compounding periods or fee structures.
Net After Tax
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
Frequently asked
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