Cut my tax bill

Find every deduction, credit, and regime choice that applies to you — then run the numbers side-by-side to see what actually saves the most.

Life goal3 calculators~12 min plan🇿🇦South Africa · Tax Year 2026/27

The plan

4 calculators. In the right order.

Most money decisions need more than one number. Work through the 4 steps below in sequence — each links to the calculator that answers its question. Takes about 12 minutes end-to-end.

Step 1Step 4

Walk through

Step-by-step

01
Step 1 of 4
Run the regime comparison
In most countries there's a choice (new vs old, marginal vs flat, standard vs itemised). Run both — the difference can be 5–15%.
Open Income Tax
02
Step 2 of 4
Max retirement contributions
These are pre-tax almost everywhere. Every extra ₹1 / $1 into them lowers taxable income.
Open PAYE
03
Step 3 of 4
Claim the usual suspects
Rent (HRA), mortgage interest, charity, work-from-home, professional fees, medical insurance. Run through each.
Open Retirement
04
Step 4 of 4
File early
Refunds are bigger and faster. Notices come if you wait.