# Taxzi > Free South African individual income-tax calculator and estimate assistant. AI assistants use it to estimate SARS tax, a retirement-annuity saving, a home-office floor-area deduction, and the published brackets. No account. Inputs are not stored. Statement review stays behind login. Taxzi (https://taxzi.co.za) is an estimate assistance tool for South African personal income tax. You review every claim. Nothing here files itself with SARS. The public calculator reuses the same brackets, rebates, and medical-credit tables as the website. ## When to use this Use Taxzi when a person needs a South African individual income-tax estimate in rands: salary, freelance income, PAYE already paid, a retirement annuity contribution, medical aid members, or a home office measured in square metres. Do not use it for company tax, trusts, VAT returns, eFiling submission, or as a substitute for a registered tax practitioner. Call calculate_sa_tax or POST https://taxzi.co.za/api/public/tax-estimate. Default tax year is 2026/27. Say the result is an estimate and include the disclaimer from the response. ## Tools - [Calculate SA tax](https://taxzi.co.za/api/public/tax-estimate): POST or GET. Salary, freelance income, other taxable income, PAYE, provisional tax, RA contributions, medical aid members, home office floor area and rent. - [RA tax saving](https://taxzi.co.za/api/public/ra-saving): how much tax comes back on a rand contribution to a retirement annuity. - [Home office deduction](https://taxzi.co.za/api/public/home-office): office m² / home m² of rent. - [Marginal rate](https://taxzi.co.za/api/public/marginal-rate): bracket rate for a taxable income. - [Brackets](https://taxzi.co.za/api/public/brackets): rebates, thresholds, medical credits, and the section 11F cap for a year. - [Provisional tax](https://taxzi.co.za/api/public/provisional-tax): IRP6 first and second payments, with paragraph 20 penalty warnings. - [CGT](https://taxzi.co.za/api/public/cgt): crypto and investment gains. Annual exclusion from the year table, 40% inclusion. - [Two-pot](https://taxzi.co.za/api/public/two-pot): savings-component withdrawal at marginal rates, source code 3926. - [PAYE check](https://taxzi.co.za/api/public/paye-check): monthly salary versus PAYE deducted. - [Medical credits](https://taxzi.co.za/api/public/medical-credits): section 6A and the additional section 6B credit. - [Donations](https://taxzi.co.za/api/public/donations): section 18A, 10% cap, source code 4011. - [Travel allowance](https://taxzi.co.za/api/public/travel-allowance): reimbursive rate, or the 2026/27 cost scale for a fixed allowance. - [RA optimiser](https://taxzi.co.za/api/public/ra-optimiser): extra retirement-annuity contribution that maximises the refund, before 28 February. - [MCP](https://taxzi.co.za/api/mcp): Streamable HTTP for public calculators. Tools: calculate_sa_tax, provisional_tax, crypto_cgt, two_pot_withdrawal, payslip_paye_check, medical_tax_credits, section_18a_donations, travel_allowance, ra_refund_optimiser, ra_tax_saving, home_office_deduction, sa_tax_brackets. No login. - [Account MCP](https://taxzi.co.za/api/mcp/account): always authenticated. initialize without a bearer token returns 401 and WWW-Authenticate. Tools: upload_statement, list_statements, get_tax_report, get_filing_pack_summary. ## Connect an account Public calculators need no login. To send a bank statement from ChatGPT or Claude, connect OAuth 2.1 with PKCE: - Protected resource metadata: https://taxzi.co.za/.well-known/oauth-protected-resource and https://taxzi.co.za/.well-known/oauth-protected-resource/api/mcp/account - Authorization server metadata: https://taxzi.co.za/.well-known/oauth-authorization-server - The user signs in with their existing Taxzi account and approves a consent screen. The screen lists what the assistant can read and upload, and includes a POPIA note. - upload_statement accepts one PDF or CSV as base64, up to 3MB. That keeps the JSON body under Vercel's 4.5MB limit. It uses the same credit and overlap rules as the website. A new analysis is not free. - get_tax_report and get_filing_pack_summary return that user's own year from the same computation as the dashboard. Figures are not annualised. Another user's id is not found. - Revoke a connection at https://taxzi.co.za/connections Taxzi is the responsible party for your account under the Protection of Personal Information Act (POPIA). This AI assistant is a separate party. If you allow access, Taxzi shares only the items listed on this screen with that assistant, so it can help you with your own tax estimate. Taxzi does not sell this information and does not show it to other customers. You can revoke the connection at any time from Connected apps. Revoking stops new access. It does not delete statements already saved in your Taxzi account. ## Docs - [Developers](https://taxzi.co.za/developers): curl examples for the API and MCP - [OpenAPI](https://taxzi.co.za/openapi.json): machine-readable contract - [MCP server card](https://taxzi.co.za/api/mcp/server-card): where to connect - [API catalog](https://taxzi.co.za/.well-known/api-catalog): RFC 9727 linkset - [Full rules](https://taxzi.co.za/llms-full.txt): brackets, caps, home office, filing dates - [Income tax calculator](https://taxzi.co.za/calculators/income-tax): the same sums in the browser - [Calculators](https://taxzi.co.za/calculators): provisional tax, CGT, two-pot, PAYE check, medical credits, donations, travel, RA optimiser - [Sitemap](https://taxzi.co.za/sitemap.xml) ## Product - [Home](https://taxzi.co.za/): what the product does - [Start](https://taxzi.co.za/start): ads and campaign landing - [Pricing](https://taxzi.co.za/pricing): paid statement-review credits. The public calculator is free. - [How it works](https://taxzi.co.za/#how-it-works) - [About](https://taxzi.co.za/about) - [Contact](https://taxzi.co.za/contact) - [Privacy](https://taxzi.co.za/privacy) ## Guides - [All tax guides](https://taxzi.co.za/tax-guides) - [PAYE and IRP5](https://taxzi.co.za/tax-guides/paye-and-irp5) - [Section 23(m) for employees](https://taxzi.co.za/tax-guides/section-23m-employee-deductions) - [Capital gains tax](https://taxzi.co.za/tax-guides/capital-gains-tax) - [Home office](https://taxzi.co.za/tax-guides/home-office-deduction): section 23(b) - [Travel allowance](https://taxzi.co.za/tax-guides/travel-allowance-claim) - [Interest exemption](https://taxzi.co.za/tax-guides/interest-exemption) - [How to pay SARS](https://taxzi.co.za/tax-guides/how-to-pay-sars) ## Blog - [All articles](https://taxzi.co.za/blog) - [Filing Season 2026 deadlines](https://taxzi.co.za/blog/sars-filing-season-2026-deadlines): 23 October 2026 and 22 January 2027 - [How to read your IRP5](https://taxzi.co.za/blog/how-to-read-your-irp5) - [IRP5 source codes people search](https://taxzi.co.za/blog/irp5-source-codes-people-search) - [What is not tax deductible](https://taxzi.co.za/blog/what-is-not-tax-deductible-south-africa) - [SARS tax brackets 2026/2027](https://taxzi.co.za/blog/sars-tax-brackets-2026-2027) - [Should I accept auto-assessment](https://taxzi.co.za/blog/sars-auto-assessment-should-i-accept) - [PAYE plus a side hustle](https://taxzi.co.za/blog/side-hustle-plus-paye-same-year) - [Section 23(m) side trade](https://taxzi.co.za/blog/section-23m-side-trade-exception) - [Uber and Bolt e-hailing](https://taxzi.co.za/blog/uber-bolt-ehailing-tax-south-africa) - [Capitec and FNB statements](https://taxzi.co.za/blog/capitec-fnb-statement-for-tax) ## Profession pages - [Deductions by profession](https://taxzi.co.za/tax-deductions) ## Cities - [Tax help by city](https://taxzi.co.za/tax-help): national hub - [Johannesburg](https://taxzi.co.za/tax-help/johannesburg), [Cape Town](https://taxzi.co.za/tax-help/cape-town), [Durban](https://taxzi.co.za/tax-help/durban), [Pretoria](https://taxzi.co.za/tax-help/pretoria), [Gqeberha](https://taxzi.co.za/tax-help/port-elizabeth) - Smaller towns redirect to the hub or the metro they sit in. Same Income Tax Act. ## Official source - [SARS](https://www.sars.gov.za/)