Tax drag
calculator

Your income details

R
%

Your 2026 tax drag

R 5 020,56

What is tax drag?

Tax drag happens when tax brackets don't keep up with inflation. If your salary only increases to match rising prices, you essentially earn the same amount in today's money. However, because you now earn more (relative to when the tax bracket was last adjusted) you pay relatively more tax - without actually earning more than you did in previous years. This calculator shows how much extra tax you're paying each year because tax brackets aren't adjusted.

Tax impact over time

Tax yearAnnual incomeTax paidEffective tax rateExtra tax paid
2024R 360 000,00R 57 497,0015.97%R 0,00
2025R 378 000,00R 62 552,0016.55%R 2 180,15
2026R 396 900,00R 68 411,0017.24%R 5 020,56

Tax-free
investing

A TFSA is the only way to legally escape tax drag. No tax on growth, no tax when you withdraw - ever. The sooner you start, the more future tax you avoid.

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