Free Capital Gains Tax Calculator
Estimate the capital gains tax on your South African property sale. Covers individuals, companies, and trusts — using the latest 2026/2027 SARS rates.
Indicative estimates based on current SARS rates and brackets
Estimate the CGT on your property sale using 2026/2027 SARS rates.
Additions, renovations, or other capital improvements that enhanced the property's value.
Include transfer duty paid on purchase, conveyancing fees, estate agent commission on sale, and other professional fees directly related to the purchase or sale.
Primary Residence
Is this the home you ordinarily live in?
Your taxable income before this capital gain is added. This determines the marginal tax rate applied to your gain.
Understanding the tax
How does Capital Gains Tax work on property?
When you sell a property in South Africa for more than you paid for it, the profit (capital gain) is subject to Capital Gains Tax. CGT is not a separate tax — it is included in your annual income tax return.
Only a portion of the capital gain is taxed. For individuals, 40% of the net gain is added to your taxable income (the inclusion rate). For companies and non-special trusts, the inclusion rate is 80%.
Exclusions that reduce your CGT
Primary residence exclusion: If you sell the home you ordinarily live in, the first R3,000,000 of the capital gain is excluded. This only applies to individuals.
Annual exclusion: Individuals receive an annual exclusion of R50,000 on capital gains. This is applied after the primary residence exclusion.
What counts as base cost?
Your base cost includes the purchase price plus any allowable expenditure: transfer duty, conveyancing fees, estate agent commission, and capital improvements. It does not include bond interest, rates, insurance, or general maintenance.
Common questions
Frequently asked questions
Need professional advice on your CGT liability?
Our Pretoria attorneys can help you understand your capital gains tax obligations and plan your property sale for maximum tax efficiency.