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Silver Tree Estates Buyer Cost Estimate
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Seller Tax & SARS Guide Guidance only
GUIDANCE ONLY These tables help explain possible tax considerations. They do not calculate a final SARS liability. Confirm the transaction with a conveyancer, registered tax practitioner or accountant.
Capital Gains Tax (CGT) quick guide
| Item | Guide |
|---|---|
| Individual annual capital-gain exclusion | R50 000 |
| Individual CGT inclusion rate | 40% |
| Maximum effective CGT rate for an individual | 18% |
| Primary-residence exclusion for an individual | R3 000 000 of the qualifying capital gain |
Indicative capital gain worksheet:
Selling price − original purchase price − qualifying acquisition costs − qualifying capital improvements − selling costs = indicative capital gain.
The resulting gain may still need annual or primary-residence exclusions and the appropriate inclusion and income-tax treatment. This is why the calculator does not present a final CGT amount.
Donations tax guide
| Item | Guide |
|---|---|
| Annual exemption used in the supplied guide | R150 000 |
| Donations tax rate shown in the guide | 20% above the annual exemption, up to R30 million |
Simple worksheet:
Market value − consideration actually paid = potential donation value. Apply the relevant exemption and tax rules only after professional confirmation.
Rental / income-tax guide
Basic principle:
Rental income − qualifying expenses = net rental profit. The net rental profit is then included with the taxpayer's other taxable income.
Qualifying expenses and the final income-tax treatment depend on the taxpayer's circumstances. Do not treat this guide as a SARS assessment.
Cost tables valid from 01 April 2026. Interest rate data is read from the central office file. Values are estimates and exclude items noted below.
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Transfer cost breakdown
Bond cost breakdown
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IMPORTANT — ESTIMATE ONLY
These calculations are approximate and provided for guidance only. Final conveyancing fees, transfer costs, bond costs and tax treatment may differ when the transaction is finalised. Silver Tree Estates does not provide tax or legal advice and cannot accept liability for differences between this estimate and the final amounts payable. VAT, Capital Gains Tax, income tax, donations tax, non-resident withholding and other SARS liabilities are not included as final tax calculations. Please obtain transaction-specific advice from the transferring attorney, conveyancer, registered tax practitioner or accountant and confirm all amounts payable to SARS.
These calculations are approximate and provided for guidance only. Final conveyancing fees, transfer costs, bond costs and tax treatment may differ when the transaction is finalised. Silver Tree Estates does not provide tax or legal advice and cannot accept liability for differences between this estimate and the final amounts payable. VAT, Capital Gains Tax, income tax, donations tax, non-resident withholding and other SARS liabilities are not included as final tax calculations. Please obtain transaction-specific advice from the transferring attorney, conveyancer, registered tax practitioner or accountant and confirm all amounts payable to SARS.
Foreign Exchange Estimate
USD—
EUR—
GBP—
AUD—
CNY Chinese Yuan—
Foreign exchange estimate based on the current list price.
Foreign exchange estimate will appear shortly.
Check the latest interest rates
For current official interest-rate information and monetary policy updates, visit the South African Reserve Bank. This can be useful when checking the rate assumptions used in your property finance calculations.
View Reserve Bank RatesCosts excluded from the table
Provision for application rates and taxes ± R1,250, provision for levies ± R3,000, sectional title insurance certificate ± R1,000, and FICA compliance fee of R920 per person or entity.
Costs quoted are not exhaustive and are subject to change. Please confirm final figures with the transferring attorney or bond attorney before relying on the estimate.