Tax Assistant
Tax-ready in minutes, not months.
Calculations use SARS-published PIT brackets for the 2027 year of assessment (1 March 2026 – 28 February 2027), synced from the SARB rates pipeline. UK HMRC and Nigeria FIRS brackets landing alongside each regional launch. Upload bank statements for auto-categorised income and deductions. Tax Assistant provides estimates for planning purposes. For advice on your specific circumstances, consult a registered tax practitioner.
Year-over-year comparison
How the 2027 budget affects your tax.
SARS jargon, translated
Which tax bracket are you in?
Drag the slider to your annual income and we will show you exactly how SARS calculates your tax — in plain English.
Where you sit
Your bracket: 31%
You earn between R383 101 and R530 200
SARS says
“R79 998 + 31% of taxable income above R383 100”
“On the R16 900 above R383 100 (up to your R400 000), you pay 31%. That's R5 239.”
What this actually means
You DON'T pay 31% on your whole salary. You pay 18% on the first R245 100, then 26% on the next R138 000, then 31% on the R16 900 above R383 101. Your actual tax rate is 16.85%, not 31%.
Bracket-by-bracket breakdown
Bracket 1: 18% on R0 – R245 100
Bracket 1
“18% of taxable income”
“The first R245 100 you earn is taxed at 18%. That's R44 118.”
Bracket 2: 26% on R245 101 – R383 100
Bracket 2
“R44 118 + 26% of taxable income above R245 100”
“On the next R138 000 (from R245 100 to R383 100), you pay 26%. That's R35 880.”
Bracket 3: 31% on R383 101 – R530 200
You are hereBracket 3
“R79 998 + 31% of taxable income above R383 100”
“On the R16 900 above R383 100 (up to your R400 000), you pay 31%. That's R5 239.”
Bracket 4: 36% on R530 201 – R695 800
If you earned more, this chunk would be taxed at 36%.
Bracket 5: 39% on R695 801 – R887 000
If you earned more, this chunk would be taxed at 39%.
Bracket 6: 41% on R887 001 – R1 878 600
If you earned more, this chunk would be taxed at 41%.
Bracket 7: 45% on R1 878 601 – no limit
If you earned more, this chunk would be taxed at 45%.
The bottom line
Total tax before rebates
R85 237
Primary rebate
-R17 820
Net PAYE
R67 417
Effective rate
16.85%
Most people think they pay 31% on everything. You actually pay 16.85%. The difference is R56 583 per year — that's the progressive tax system working in your favour.
How it works
Three steps.
Input income
Salary, side-hustle, investments — or upload bank statements.
Engine applies 2027 YOA brackets
Rebates, medical credits, retirement deductions — all baked in.
See refund or liability
Know what you owe (or are owed) before filing season.
Benefits
Why teams choose Tax Assistant.
Multi-country brackets
SARS 2027 YOA brackets live today. UK HMRC and Nigeria FIRS tables shipping alongside each regional launch.
Bank statement parser
Upload statements, auto-categorise income and deductions.
Cross-check your return
Compare Tax Assistant estimates with your tax practitioner's workings before you sign.
Business tax support
Provisional tax, VAT estimation, and a compliance calendar for SMEs.
Who it's for
Run the numbers
Live SARS 2027 YOA brackets today. HMRC and FIRS next.
Live SARS 2024/25 calculator
Estimate your tax in real time.
Pure client-side math against the published SARS 2024/25 brackets, rebates, and medical scheme fees tax credits. Every slider move updates the numbers instantly.
Tax payable
R 126 896
Effective rate
19.5%
Estimated refund
R 38 104
Developer-friendly
Drop it into your stack.
REST API, typed SDKs in 9 languages, and a sandbox environment you can explore in 30 seconds. No calls with sales to get keys.
Read the docsPOST /api/tax/estimate
Authorization: Bearer $FINVEIL_API_KEY
{
"annualIncome": 580000,
"retirementContribution": 87000,
"medicalMembers": 2,
"taxYear": "2027"
}
HTTP/1.1 200 OK
{
"taxableIncome": 488716,
"taxPayable": 116294,
"effectiveRate": 20.04,
"estimatedRefund": 12480
}Works with