Calculators · Tax

Tax-free savings calculator

See how much you can still put into a tax-free savings account this tax year, and avoid the 40% penalty on going over.

Everything you have put into tax-free accounts since 1 March 2026, across all providers.

Every contribution since you opened your first tax-free account. Growth and withdrawals don’t count, and money you withdraw can’t be put back without using up allowance.

Results update as you type. Your figures stay in your browser; we don’t store or send them.

Your allowance · 2026/27

You can still add

Your allowances
Left of this year’s R 46 000
Left of the R 500 000 lifetime limit
Invest with TRG

How the limits work

You can put up to R 46 000 a tax year into tax-free savings accounts, and R 500 000 over your lifetime. The limits apply to everything you contribute across all providers. Interest, dividends and capital gains in the account are tax-free.

SARS taxes contributions above either limit at 40%. Unused allowance does not carry over: if you put in less than R 46 000 by 28 February 2027, the rest of that year’s allowance is gone.

RA and TFSA Contributions Before the Tax Year Ends compares the two and explains the timing.

The information on this website is general and should not be seen as financial advice or a recommendation. We trust our sources but can’t guarantee absolute accuracy or completeness. Talk to a TRG adviser about your own circumstances.

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