Retirement in South Africa: Two-Pot & RA Guides (2026)
South Africa's retirement rules changed with the two-pot system, which lets members make limited withdrawals from a savings component while the rest is preserved for retirement. These guides explain how much a withdrawal really costs after tax, how retirement annuity contributions cut your tax, and the choices you face when you resign or retire.
Withdrawals are taxed and reduce your retirement savings. Check your own fund's rules and benefit statement before you apply. A registered financial adviser can help you weigh the trade-offs.
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Retirement
Retirement Lump Sum Tax Tables 2026/27: How Much Tax on Your Payout?
The first R550,000 of retirement lump sums is tax-free, but withdrawals are only tax-free up to R27,500. Both 2026/27 SARS tables, with worked examples.
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Retirement
Two-Pot Withdrawal: How Long It Takes, How to Apply and Why Claims Get Delayed
How long a two-pot savings withdrawal takes to pay out, from 5 working days to 60 at GEPF, how to apply step by step, and the common reasons for delays.
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Retirement
Two-Pot Withdrawal Tax Calculator (2026/27): How Much You'll Actually Get
Work out the tax on a two-pot savings withdrawal using the SARS 2026/27 tax table. How the tax is calculated, worked examples, fees and the rules.
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Retirement
Retirement Annuity Tax Calculator (2026/27): How Much Tax an RA Saves You
Work out how much tax a retirement annuity saves you in 2026/27. The 27.5% rule, the new R430,000 cap, worked examples and how to claim it from SARS.
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