AS Brokers – Income Tax Calculator
Calculate your South African PAYE based on 2025/26 tax tables.
Understanding Your Retirement Income Tax Position
The calculator above estimates your South African income tax based on the income you entered and the current 2025–2026 SARS tax tables. Its purpose is simple: to show you how much income you actually keep after tax, not just what you earn before tax.
In retirement, tax matters more than most people expect. Income usually comes from multiple sources — such as living annuities, dividends, interest, rental income, or business income — and each is taxed differently. When these income streams overlap, retirees are often pushed into higher tax brackets without realising it.
What This Calculator Shows
This calculator helps you:
- Estimate your annual income tax payable
- See your effective tax rate (what you really pay overall)
- Understand your net income after tax
- Test how changes in income affect your tax outcome
Many retirement plans fail not because investments perform badly, but because tax is underestimated or poorly structured. Small inefficiencies compound over time and quietly erode both income and capital.
Tax Is Not Static in Retirement
Your tax position in retirement is not static. It changes as:
- Income sources shift
- Drawdown rates change
- Investments are added or sold
- Age-based rebates apply differently over time
An income structure that looks tax-efficient today may become less efficient if it isn't reviewed and adjusted.
The Real Question
The real retirement tax planning question is not:
"How much tax do I pay?"
but rather:
"How do I structure my income so that I keep more of it — legally and sustainably?"
This calculator shows you what is happening. Proper planning focuses on why — and how to improve it.
Who This Tool Is Designed For
If your income does not come from a single payslip, or if you are relying on multiple income sources in retirement, this tool is designed for you.
Want Help Improving Your After-Tax Income?
Complete the form below and we will contact you to review your results and discuss practical ways to improve tax efficiency as part of your broader retirement plan.