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Budget Speech key takeouts
Personal Income Tax brackets as well as rebates and age-related tax thresholds have been adjusted for inflation.
Tax-Free Savings contribution limit has increased to R46 000 per annum (was R36 000).
The threshold has increased to R430 000 per annum (was R350 000) for the tax deduction of contribution to a retirement fund.
The general fuel levy has increased in line with inflation.
Excise duties on tobacco and alcoholic beverages have also been increased in line with inflation.
Competition
Time to refresh your finances
Don’t let the Budget Speech get your wallet in a twist. We recently invited you to answer a few questions to see where your finances needed focus - and you could win a Checkers voucher worth R5 000 or a SATRIX investment voucher worth R10 000. Please note that entries closed on 6 March 2026.
Don’t let that hold you back! Chat to our AI Coach to help you complete the Financial Focus Quiz or unpack the Budget Speech and up your F Factor.
Hear from our experts
Watch the Budget Speech Game Show as our experts explain the fuel levy, two-pot system and bracket creep. Find out how it impacts you and how we can help you make smart financial moves.
Fuel levy
How does the fuel levy impact our finances? Watch the Budget Speech Game Show as Sanlam expert, Roxanne Tobias, explains. If your budget needs a refresh, our budget tool can help.
Two-pot system
What’s potting with retirement savings? Watch the Budget Speech Game Show as Sanlam expert, Lize de la Harpe, explains. Our Two-pot retirement calculator can help you see tax you’ll pay on withdrawals.
Bracket creep
Got a raise but feeling poorer? Watch the Budget Speech Game Show as Sanlam expert, Arthur Kamp, sheds light on bracket creep. Remember to speak to a trusted financial advisor about tax efficient solutions so that your money can work harder for you.
expert insights
Articles
What the 2026 Budget Speech means for your pocket
Roxanne Tobias, Actuary and Head of Marketing & Communications at Sanlam Risk & Savings, says: " The tone of this year's Budget Speech was noticeably more constructive, and it's encouraging to see measures that give households breathing room."
South Africa’s 2026 Budget Speech
In this video, our Chief Economist, Arthur Kamp, unpacks what the key announcements from the 2026 National Budget Speech mean for growth, policy credibility and financial markets.
Key takeaways from the 2026 National Budget
Personal income tax brackets and medical tax credits will be adjusted for inflation, after two years with no inflationary relief. Certain tax thresholds and limits are also adjusted for the impact of inflation, to assist small businesses and encourage savings.
SLS Legal Services - Budget Speech Highlights
The 2026 National Budget Speech, delivered by the Minister of Finance, Minister Enoch Godongwana on 25 February 2026, highlights South Africa’s progress toward fiscal stability and renewed economic confidence as the country moves beyond years of financial strain and structural challenges.
Tools & Calculators
Plan your financial future with confidence
Up your F Factor by using our tools and calculators to make smart money moves.
- Tools & Calculators
Budgeting tool
Use our budget tool to understand your numbers and start 2026 financially strong.
Two-pot calculator
Our Two-pot retirement calculator can help you see the tax you’ll pay on withdrawals.
Calculate your tax
2026/27 Tax Calculator
Calculate your monthly and annual income tax for the 1 March 2026 – 28 February 2027 financial year.
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Sanlam Retirement Plan
Maximise your tax benefit with Sanlam’s retirement solutions. Invest today and boost your retirement savings with Wealth Bonus®.
Tax-Free Savings Investment
Reach your long-term saving goals by paying zero tax on interest, dividends and capital gains. Invest from only R300 per month.
Helpful Resources
Tax pocket guide 2026
The SARS tax pocket guide provides a summary of the most important information relating to taxes, duties and levies for 2025/26. You’d like to read the entire Minister’s speech, you can download a copy of the transcript.
Get the People’s guide to the budgetThis is a joint publication between National Treasury and South African Revenue Service that announces government’s spending, tax and borrowing plans for the next three years.
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People's Guide: English
People's Guide: Afrikaans
People's Guide: IsiXhosa
People's Guide: Sesotho
People's Guide: Tshivenda
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