Trust Donation Calculator

Trust Donation Calculator

Choose Single (R100,000/year) or Couple (R200,000/year), then estimate the donation period and potential estate duty saving.

Fixed annual donation: R100,000
Use your age today (years).
The age you want to plan until (years).
Used only for the illustrative trust value estimate.
Donation period
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Total donations made
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Estimated estate duty saved (20%)
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Estimated trust value at planned age (illustrative)
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Notes: This calculator uses fixed annual donations of R100,000 (single) or R200,000 (couple). Estate duty saving is shown at 20% of total donations as a simple estimate. Growth is illustrative and depends on actual investment returns and implementation.
Annual Estate Reduction Strategy | AS Brokers

Annual Estate Reduction Strategy – How This Calculator Fits In

South African residents are allowed to donate up to R100,000 per person per year (or R200,000 per married couple) without triggering donations tax. When used consistently, this allowance becomes one of the most practical and reliable tools for reducing future estate duty.

Instead of trying to restructure an estate late in life, this strategy works gradually and predictably. Each year, a portion of wealth is moved out of your personal estate in a compliant way. Over time, this reduces:

  • The value of your estate subject to estate duty
  • Executor's fees
  • The cash-flow pressure placed on heirs

How This Strategy Works in Practice

In practice, these annual donations are often made to a family trust, allowing capital to leave the estate while remaining protected, managed, and earmarked for long-term family objectives.

The real power of the strategy is not the size of any single donation, but the discipline of repeating it year after year.

What This Calculator Demonstrates

This calculator illustrates that effect. By entering your current age and selecting whether the strategy applies to an individual or a couple, you can see how small, consistent annual donations can compound into a meaningful reduction in estate value over time.

The figures shown are not meant to predict exact outcomes. Their purpose is to make the long-term impact visible and understandable, using the same framework I use daily to explain estate-duty reduction strategies to clients in a practical, numbers-driven way.

Important Context

It's important to understand that this is not a loophole or a once-off transaction. It is a long-term estate structuring strategy that works best when started early, implemented correctly, and reviewed regularly as part of a broader estate and retirement plan.

When combined with proper trust structuring and a well-drafted will — including the deliberate use of the R3.5 million estate-duty abatement — this approach can materially reduce estate duty and executor fees across generations, while keeping capital protected and controlled.

Ready to Take the Next Step?

Understanding the numbers is the first step.
Implementing the strategy correctly is what actually reduces estate duty and protects wealth for the next generation.

If you would like help to:

  • Create a compliant family trust
  • Structure annual donations correctly
  • Integrate this strategy with your will and estate plan
  • Reduce estate duty legally over time

we can guide you through the process.

Let Us Help You Create a Trust and Reduce Your Estate for the Next Generation
(Complete the form below and we'll contact you to discuss your options.)
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