2027 retirement-fund lump-sum tax estimator
This simplified tool applies the current SARS 2027 table to the amount entered and a single combined value for previous relevant lump sums. It is not a SARS tax directive.
Do not use the qualifying retirement/severance option unless the benefit actually qualifies. SARS/fund documentation determines the final classification.
Estimated tax
Actual tax may differ because the legal classification, excess contributions, prior benefits and tax-directive information matter.
Cash out vs preserve illustration
Illustrate what the full current fund value could grow to if it remained invested until retirement. This is mathematics, not an investment forecast.
Estimated cash after ordinary withdrawal tax*
Illustrative future value if full fund remains invested
*Assumes an ordinary withdrawal and no previous relevant lump sums. **Uses the inflation assumption entered. No fees, tax on investment returns or changing returns are modelled.
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A calculator cannot know your exact fund rules, component split, previous lump sums or personal tax position.
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