🇿🇦 Retire in South Africa
Tax rates, cost of living, special programs, and top cities for international investors and retirees.
Tax system
worldwide
Cheapest city
Cape Town ~$1,513/mo
Tax System Overview
South Africa taxes CG at 40% inclusion rate × marginal rate (effective max ~18%). Dividends at 20% withholding. Interest exempt up to ZAR 23.8K. No wealth tax.
- ✓No wealth tax
What Would You Pay?
Estimated annual tax on different levels of investment income (capital gains + dividends + interest):
| Annual Investment Income | Estimated Tax | Effective Rate |
|---|---|---|
| $50,000 | $10,150 | 20.3% |
| $100,000 | $20,300 | 20.3% |
| $200,000 | $40,600 | 20.3% |
Assumes 60% capital gains, 25% dividends, 15% interest. Actual tax depends on your specific income mix.
Sources — South Africa tax data
Last verified 2026-04-12
- Grounded: pwc.comaccessed 2026-04-12
- Grounded: freemanlaw.comaccessed 2026-04-12
Top Cities in South Africa
Tax Calculator
Compare your tax bill across specific cities in South Africa.
Move & Save Simulator
Compare South Africa vs your current country.
Tax rates and programs are subject to change. Information is current as of 2026. Always consult a qualified tax professional before making relocation decisions.