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Medical Tax Credit Calculator (South Africa)

Medical Tax Credit Calculator (South Africa) helps you estimate medical tax credit (section 6a) and additional med credit (section 6b) for South Africa using Number of Medical Aid Members (including yourself), Monthly Medical Aid Contribution (R), and Annual Out-of-Pocket Medical Expenses (R). Use it to compare scenarios before making a final decision.

South Africa estimateLast reviewed 15 August 2026Reviewed after a tax-year or rule change

Your details

Calculator inputs
including yourself

Continue your plan

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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.

A realistic South Africa planning example
InputValue
Number of Medical Aid Members (including yourself)3
Monthly Medical Aid Contribution (R)R250 per month
Annual Out-of-Pocket Medical Expenses (R)5000
Annual Taxable Income (R)R400,000

After entering these figures, review medical tax credit (section 6a), additional med credit (section 6b) and total medical tax credit together rather than in isolation. Then rerun the tool with one input adjusted.

How to read your results

Medical Tax Credit (Section 6A)

Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.

Additional Med Credit (Section 6B)

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.

Total Medical Tax Credit

Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.

4× MTC Threshold

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.

Qualifying Excess Expenses

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.

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

Section 6B provides relief for out-of-pocket medical costs that exceed a threshold set at four times your annual Section 6A credit. For taxpayers under 65, a 25% credit applies to qualifying expenses above that threshold. For taxpayers aged 65 or older, the credit is more generous — 33.3% applies to all qualifying medical contributions and out-of-pocket expenses with no lower threshold. Qualifying expenses include medical aid contributions not covered by the Section 6A credit and approved medical costs not reimbursed by your medical aid scheme.

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