Tools – Brown and Ferguson

Corporate Tax Calculator

Financial Year End

Projected Revenue (R)

Projected Expenses (R)

Provisional Tax Already Paid

1st Provisional (IRP6)

2nd Provisional (IRP6)

3rd Provisional / Top-up (if applicable)

Small Business Corporation (SBC) rates apply

Turnover ≤ R20m, shareholders are natural persons

Enter your figures and click Calculate

Personal Tax Calculator

Monthly Gross Salary (R)

Age Group

Tax Year

Retirement Fund Contributions (Monthly)

Pension Fund

Provident Fund

Retirement Annuity (RA)

Max deduction: 27.5% of remuneration, capped at R430,000/year (2027: increased from R350K)

Medical Aid (Monthly contributions)

Monthly Contribution (R)

Dependants

Additional Deductions (Monthly)

Travel Allowance (R)

Donations (s18A) (R)

Home Office Deduction (R)

Donations capped at 10% of taxable income. Home office requires dedicated workspace.

Bonus Mode (Optional)

Annual Bonus Amount (R)

Bonus Month

Enter your salary details

VAT Calculator

Simple calculations, invoice builder, or full VAT201 return estimation

Amount (R) VAT Exclusive

VAT Rate

15% Standard 0% Zero-rated Exempt

VAT PERIOD

INPUT MODE

VAT Exclusive

Output VAT (Sales) Fields 1-12

1. Standard Rated Sales

1A. Capital Goods Sold

4. VAT on Field 1 (auto)

4A. VAT on Field 1A (auto)

10. Change in Use / 2nd Hand

11. VAT on Field 10 (auto)

12. Other Output VAT (VAT amounts only - imports, adjustments)

Input VAT (Purchases) Fields 14-18

Enter VAT amounts only (not total invoice values). Must hold valid tax invoices.

14. Capital Goods (VAT)

15. Other Goods/Services (VAT)

13. Total Output VAT

19. Total Input VAT

VAT Amount

R 0.00

Excl. VAT: R 0.00

VAT (15%): R 0.00

Incl. VAT: R 0.00

Registration Check

Annual Turnover (R)

Enter turnover to check registration status

Quick Reference

Compulsory: > R1m turnover
Voluntary: > R50k turnover
Zero-rated: Exports, basic food, fuel levy goods
Exempt: Financial services, residential rent
Accommodation: Long stay (>28d) = 60% taxable

Business Valuation Estimate

Industry Sector

Industry PE Range (Listed Companies)

8x - 12x

Revenue Multiple

0.8x - 1.5x

Annual Revenue (R)

EBITDA / Net Profit (R)

Years in Business

Company Size

Private Company Risk Factors

Owner-dependent business Customer concentration (>30%) No long-term contracts Declining/flat revenue

Additional Risk/Quality Adjustment

DCF Analysis (Optional)

Projected Annual Cash Flows (3-5 years, comma-separated)

Growth Rate: 5%

Discount Rate: 15%

DCF weighted 30% in final valuation blend (40% EBITDA, 30% Revenue, 30% DCF)

Enter your business details

Industry PE Multiples Guide

Industry	PE Range	Rev.
Professional Services	8-12x	0.8-1.5x
Technology / SaaS	12-25x	3-8x
IT Services	10-15x	1-2x
Healthcare	10-18x	1.5-3x
Manufacturing	6-10x	0.5-1x
Retail	8-15x	0.3-1x
Wholesale/Distribution	6-10x	0.3-0.6x
Construction	5-8x	0.3-0.5x
Transport/Logistics	6-10x	0.5-1x
Hospitality	6-12x	0.5-1.5x
Financial Services	10-15x	2-4x
Media/Advertising	8-14x	1-2x

* Listed company multiples. Private companies typically trade at 20-40% discount.

Disclaimer: This is an indicative estimate only. Actual valuations require detailed due diligence including analysis of assets, liabilities, contracts, IP, customer relationships, management team, and market conditions. Contact us for a professional valuation.

Salary vs Dividend Comparison

Amount to Extract from Company (R)

Your Other Annual Taxable Income (R)

Your Age

Scenario Builder (Optional)

Split: 100% as Salary, 0% as Dividend

Max retirement deduction Include medical credits

Enter amount to compare tax efficiency

Crypto Tax Calculator

Calculate potential tax on your cryptocurrency gains per SARS requirements

SARS Crypto Classification

Capital Gain (CGT): Long-term holding, infrequent trades, investment intent
Trading Income: Frequent trading, short holding periods, profit motive

Cryptocurrency

Amount of Coins

Purchase Price per Coin (ZAR)

Purchase Date

Your Marginal Tax Rate

How should this be taxed?

Capital Gain

40% inclusion rate

Trading Income

100% taxable

Apply R40,000 annual CGT exclusion (if capital gain)

Enter your crypto holdings to calculate tax

Current Market Prices (Indicative)

Prices in ZAR - Updated periodically

₿ Bitcoin R 1,850,000

Ξ Ethereum R 58,000

◎ Solana R 2,800

✕ Ripple R 45

SARS Crypto Guidance

Crypto assets are not legal tender but are taxable
Gains taxed as income OR capital depending on intent
Frequent trading = likely income treatment
Long-term holding = may qualify for CGT
Keep detailed records of all transactions
Crypto-to-crypto swaps are taxable events

Disclaimer: This calculator provides indicative estimates only. Cryptocurrency tax treatment depends on individual circumstances including trading frequency, intent, and overall financial situation. SARS may classify your crypto activity differently. Consult a tax professional for advice specific to your situation.

Small Business Corporation Tax

SBC graduated rates (2026/2027) apply where turnover ≤ R20m and all shareholders are natural persons.

Taxable Income (R)

Enter taxable income to calculate SBC tax

B-BBEE Level Calculator

Determine your B-BBEE status level and whether you need an affidavit or a verified certificate.

Annual Turnover (R)

Black Ownership Percentage (%)

Black Women Ownership (%)

Sector

Enter your turnover to determine your B-BBEE enterprise classification

B&F prepares EME sworn affidavits and coordinates QSE/Generic verifications. This calculator provides an indicative level based on ownership. Full B-BBEE scoring includes skills development, enterprise development, and socio-economic development elements. Book a consultation for a detailed assessment.

DTA / Withholding Tax Rates

Find applicable withholding tax rates on cross-border payments under South Africa's double tax agreements.

Country

Payment Type

Recipient Details

Recipient is a company (not individual) Holds ≥10% of paying company's capital Recipient is beneficial owner Recipient is tax resident of selected country

Select a country to view applicable withholding tax rates

SA Domestic Rates (No Treaty)

Dividends 20%

Interest 15%

Royalties 15%

Management/Service Fees 0% (no domestic WHT)

B&F International Services Desk — We handle cross-border tax structuring across all treaty jurisdictions. DTA rates shown are maximum treaty rates; actual rates depend on beneficial ownership, substance, and anti-avoidance provisions. Consult our international team.

Retirement Planning Calculator

Estimate how much you need to invest monthly to achieve your desired retirement income.

Current Age

Retirement Age

Desired Monthly Income (R)

Current Savings (R)

Expected Return (% p.a.)

Inflation (% p.a.)

Years in Retirement

15 yrs25 years35 yrs

Enter your details to see your retirement plan

Tax benefit: RA contributions are tax-deductible up to 27.5% of the greater of remuneration or taxable income, capped at R430,000/year (2027: increased from R350K). Through Anchor Capital, B&F structures retirement investments for maximum tax efficiency.

Fee Advantage Calculator

See how lower fees compound into significantly more wealth over time.

Initial Investment (R)

Monthly Contribution (R)

Gross Return (% p.a.)

Period

Fee Comparison (EAC % p.a.)

Anchor Capital (via B&F)

Industry Average

SA active fund average TER: 1.17%. Typical total EAC: ~2.0%. Source: Morningstar/ASISA 2024.

Enter your details to see the fee impact

Disclaimer: Illustrative estimates only. Actual returns and fees will vary. EAC includes management, platform, and adviser fees. Past performance is not indicative of future results. Anchor Capital (Pty) Ltd, FSP #39834. Learn more about Anchor.

Transfer Duty Calculator

Calculate transfer duty on property transactions using the latest SARS rates (effective 1 April 2025, confirmed unchanged for 2027).

Transaction Type

Entity Type

Seller VAT Status

Property Value (R)

First-time property buyer

Enter property details to calculate

Important: Transfer duty is payable by the buyer within 6 months of acquisition. If the seller is VAT registered and the sale is in the course of their enterprise, VAT at 15% applies instead of transfer duty. Properties acquired from deceased estates are exempt. B&F can advise on the optimal structuring for your property transaction. Get property tax advice.

Financial Calculators