Estimate the tax on one crypto sale for the 2026 or 2027 tax year. Enter what you sold it for, what it cost you and your other taxable income, and see the working line by line with the figures SARS publishes. The example below is filled in so you can see how it works.
Your estimate for the 2027 tax year
Held as an investment, taxed as a capital gain.
| What you sold it for | R 250 000,00 |
|---|---|
| Less what it cost you | R 100 000,00 |
| Capital gain | R 150 000,00 |
| Less the annual exclusion, up to R 50 000 | R 50 000,00 |
| Gain after the annual exclusion | R 100 000,00 |
| Taxable capital gain at the 40% inclusion rate | R 40 000,00 |
| Tax on your other income alone, after rebates | R 67 417,00 |
| Tax on your other income plus the taxable capital gain, after rebates | R 79 817,00 |
| Estimated tax on this gain | R 12 400,00 |
| Effective rate on the gain | 8,3% |
Figures for the 2027 tax year (1 March 2026 to 28 February 2027). Your rebates: R 17 820,00. Tax is rounded to the cent.
What this estimate leaves out
- Your other capital gains and losses in the same year. They all share one annual exclusion, so the exclusion used here may already be partly used.
- Assessed capital losses carried forward from earlier years.
- Provisional tax, and tax already deducted from your salary.
- Medical scheme fees tax credits and other credits or deductions.
- Whether your crypto is capital or revenue. That is your own call on your own facts, and the calculator does not make it for you.
This is an estimate to help you plan, not tax advice. For anything uncertain, speak to a registered tax practitioner.
Connect your exchanges for the real figure
One sale is rarely the whole year. Coinfig brings your exchange and wallet history together, works out the base cost of every disposal, and checks nothing is missing before you rely on the figures.
Get started on CoinfigHow is crypto tax calculated in South Africa?
When you sell, swap or spend crypto, the gain is taxed either as a capital gain or as income. Which one applies depends on your intention and your pattern of trading, such as how long you hold and how often you buy and sell.
If you hold crypto as an investment
- Work out the gain: what you received less what the crypto cost you.
- Deduct the annual exclusion: R 50 000 for the 2027 tax year and R 40 000 for the 2026 tax year. It covers all your capital gains and losses in the year together, not each sale.
- Multiply what is left by the inclusion rate, 40% for individuals. The result is your taxable capital gain.
- Add the taxable capital gain to your taxable income, where it is taxed at your marginal rate.
Because only 40% of the gain is taxed and the top marginal rate is 45%, the most an individual pays on a capital gain is an effective 18% of the gain.
If you trade crypto
The whole profit is added to your taxable income and taxed at your marginal rate. There is no annual exclusion and no inclusion rate.
The figures this calculator uses
Capital gains
| Individuals | 2027 tax year | 2026 tax year |
|---|---|---|
| Annual exclusion | R 50 000 | R 40 000 |
| Inclusion rate | 40% | 40% |
Sources: SARS annual exclusion and inclusion rate pages.
Rebates and tax thresholds
Rebates reduce the tax worked out from the brackets below. You pay no income tax on a taxable income below the threshold for your age.
| Rebate or threshold | 2027 tax year | 2026 tax year |
|---|---|---|
| Primary rebate | R 17 820 | R 17 235 |
| Secondary rebate (65 and older) | R 9 765 | R 9 444 |
| Tertiary rebate (75 and older) | R 3 249 | R 3 145 |
| Tax threshold, under 65 | R 99 000 | R 95 750 |
| Tax threshold, 65 to 74 | R 153 250 | R 148 217 |
| Tax threshold, 75 and older | R 171 300 | R 165 689 |
Source: SARS rates of tax for individuals
Income tax rates for individuals
2027 tax year (1 March 2026 to 28 February 2027)
| Taxable income | Tax before rebates |
|---|---|
| R 0 to R 245 100 | 18% of taxable income |
| R 245 101 to R 383 100 | R 44 118 plus 26% of the amount above R 245 100 |
| R 383 101 to R 530 200 | R 79 998 plus 31% of the amount above R 383 100 |
| R 530 201 to R 695 800 | R 125 599 plus 36% of the amount above R 530 200 |
| R 695 801 to R 887 000 | R 185 215 plus 39% of the amount above R 695 800 |
| R 887 001 to R 1 878 600 | R 259 783 plus 41% of the amount above R 887 000 |
| R 1 878 601 and above | R 666 339 plus 45% of the amount above R 1 878 600 |
Source: SARS rates of tax for individuals
2026 tax year (1 March 2025 to 28 February 2026)
| Taxable income | Tax before rebates |
|---|---|
| R 0 to R 237 100 | 18% of taxable income |
| R 237 101 to R 370 500 | R 42 678 plus 26% of the amount above R 237 100 |
| R 370 501 to R 512 800 | R 77 362 plus 31% of the amount above R 370 500 |
| R 512 801 to R 673 000 | R 121 475 plus 36% of the amount above R 512 800 |
| R 673 001 to R 857 900 | R 179 147 plus 39% of the amount above R 673 000 |
| R 857 901 to R 1 817 000 | R 251 258 plus 41% of the amount above R 857 900 |
| R 1 817 001 and above | R 644 489 plus 45% of the amount above R 1 817 000 |
Source: SARS Budget tax guide 2025
Figures last checked 13 November 2026 against the SARS pages linked above.
The same figures, with the filing deadlines and CARF dates, are on one dated page: South African crypto tax numbers.
For capital versus revenue, taxable events, staking rewards and what CARF means for you, read our guide to how SARS taxes crypto in South Africa.