Capital Gains Tax Calculator (Property)
Estimate your CGT liability with our step-by-step guide.
Step 1: The Sale
Step 2: Costs & Improvements
Step 3: Taxpayer Profile
ESTIMATED CGT PAYABLE
R 0
Understanding CGT on Property
What is Capital Gains Tax (CGT)?
CGT is the tax you pay on the profit (capital gain) you make when you sell an asset, such as a property. In South Africa, only a portion of this gain (the 'taxable gain') is added to your income and taxed at your marginal rate.
What is the primary residence exclusion?
If you sell the home you live in (your primary residence), the first R2 million of the capital gain is exempt from CGT. This is a significant exclusion that reduces or eliminates tax for most homeowners.
What qualifies as a 'capital improvement'?
These are costs that add value to the property, not just for maintenance. Examples include adding a new room, installing a swimming pool, or paving a driveway. These costs are added to your 'base cost' and reduce your capital gain.
What is the 'inclusion rate'?
The inclusion rate is the percentage of your net capital gain that becomes taxable. For the 2025/2026 tax year, it is 40% for individuals and special trusts, and 80% for companies and other trusts.
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- Official Amortization Schedule
- Tax Certificate Format