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    Tax-Free Calculator

    Tax-Free Investment Calculator

    From the list of funds below, choose one and follow the five easy steps to determine the amount a Tax-free Investment will save you.

    Ready to invest now?

    Complete an online application form

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    We have a range of funds that offer tax savings...

    Choose a Fund

      Your tax saving is related to your income bracket...

      Income Tax

      Which bracket describes your taxable income?

      • R1 – R226,000
      • R226,001 – R353,100
      • R353,101 – R488,700
      • R488,701 – R641,400
      • R641,401 – R817,600
      • R817,601 – R1,731,600
      • R1,731,601 and above

      Compound interest works better over longer periods...

      Investment Term

      How many years would you like to invest for?

      Do you want to invest with lump sum, debit order or both...

      Investment Option

      Which investment option would you have liked to invest with?

      Contributing on a monthly basis...

      Debit Order

      What amount will you be contributing monthly?

      The minimum debit order amount is R500

      Do you have an annual lump sum to start off your investment each year...

      Annual Lump Sum

      What amount would your annual lump sum investment be?

      The minimum lump sum amount is R10,000 The minimum lum sum amount is R0

      Calculate Your Tax Savings

      Tax-Free Fund

        Income Tax Bracket

        • R1 – R226,000
        • R226,001 – R353,100
        • R353,101 – R488,700
        • R488,701 – R641,400
        • R641,401 – R817,600
        • R817,601 – R1,731,600
        • R1,731,601 and above

        Investment Term in Years

        Annual Lump Sum

        Debit Order


        Total Investment Amount Annually

        R36,000

        Annual max (R36,000)

        Gross Return Rate

        After Tax Return

        Capital Gains Tax

        Please re-calculate, you have exceeded your limit!

        INVEST NOW
          Assumptions:

        • Equilibrium fund returns (net of a historical average fee adjustment) have been used for the purpose of this calculation.
        • Tax is calculated using the 2022/2023 SARS tax year table.
        • Figures assume that you have used your annual CGT exclusion and annual interest exemption.
        • Effective CGT rate of 18% applied, based on 45% maximum tax bracket.
          Investment Options:

        • Minimum Debit Order = R500 pm.
        • Minimum Lump Sum = R10 000.

        MandG Investments Southern Africa (Pty) Ltd (previously called Prudential Portfolio Managers South Africa) is part of the same corporate group as the Prudential Assurance Company. The Prudential Assurance Company is a direct subsidiary of M&G plc, a company incorporated in the United Kingdom. The Prudential Assurance Company is not affiliated in any manner with Prudential Financial Inc., a company whose principal place of business is in the United States of America or Prudential plc, an international group incorporated in the United Kingdom.