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Updated for SARS 2026/2027

South Africa's fastest Two-Pot withdrawal & tax calculator

Enter your fund value, income and withdrawal amount to see your exact SARS marginal tax, fund admin fees and the real net cash you'll receive — in under two seconds. No sign-up, no spam, completely free.

  • Accurate SARS marginal tax — not a flat-rate estimate
  • Models the R30,000 seeding cap and R2,000 minimum
  • Shows the long-term cost to your retirement nest egg

Two-Pot Withdrawal Calculator

See your exact net payout after SARS marginal tax and fund admin fees.

Estimated available Savings Component (seeded): R 30 000 (10% of value, capped at R 30 000).

Your salary before the withdrawal. SARS adds the withdrawal on top of this to set your marginal rate.

Min R 2 000

Most administrators charge a once-off fee per claim. Default R 250.

Estimated net cash in your pocket

R 10 850

from a R 15 000 gross withdrawal

Gross withdrawal
R 15 000
SARS tax deductedEffective 26.0% on this withdrawal
– R 3 900
Fund admin fee
– R 250
Net cash payout
R 10 850
Balance left to growStays invested in your Savings Component
R 15 000

Assumptions: Tax is estimated by adding your gross withdrawal to your annual income and applying SARS 2026/27 marginal brackets. Rebates, medical credits and IT88 directives for outstanding debt are not modelled. This is an estimate, not tax advice.

SARS 2026/27 brackets

Every calculation uses the current SARS Personal Income Tax tables — no flat-rate shortcuts.

No sign-up required

Run unlimited calculations instantly. We never ask for your ID, fund number or banking details.

Private by design

All maths runs locally in your browser. Your fund values never leave your device.

Two-Pot specialised

Purpose-built for the Savings, Retirement and Vested component rules effective 1 September 2024.

Go deeper on the Two-Pot system

Specialised calculators and expert guides covering every decision in the new two-pot retirement framework.

How the Two-Pot retirement system works

From 1 September 2024, every contribution to a South African pension fund, provident fund or retirement annuity (RA) is split into two pots. One-third flows into your Savings Component, which you may access once per tax year before retirement. The remaining two-thirds is locked into your Retirement Component, preserved until you retire to ensure you build a meaningful income for later life. Any money you had accumulated before the reform sits in a protected Vested Component under the old rules.

The single most misunderstood part of the system is tax. A pre-retirement withdrawal from your Savings Component is added to your annual taxable income and taxed at your marginal rate — it does not use the gentle retirement lump-sum tables. That means a withdrawal can push you into a higher bracket and cost far more tax than members expect. SARS can also intercept the withdrawal via an IT88 directive if you have outstanding tax debt. Our calculator models this precisely so there are no surprises.

Use the calculator above for an instant net-payout figure, then explore the retirement impact calculator to understand the long-term cost, or read our tax implications guide for the full detail.

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