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 worked example
These are the example figures the calculator opens with.
| Input | Value |
|---|---|
| Sale Proceeds (R) | 1 500 000 |
| Base Cost / Purchase Price (R) | 800 000 |
| Taxpayer Type | Individual |
For those figures the calculator returns:
- Capital gain: R700 000,00
- Taxable gain (after exclusion): R650 000,00
- Included gain: R260 000,00
- Estimated CGT: R117 000,00
- Effective CGT rate: 16.70%
How to read your results
Taxable Gain (after exclusion)
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.
Questions people ask
For individuals, 40% of the net capital gain (after the R40,000 annual exclusion) is added to taxable income and taxed at your marginal income tax rate. The maximum effective CGT rate for an individual is 18% (40% × 45% top marginal rate). This calculator uses the top rate as a conservative estimate for large gains.