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TFSA or RA? Compare your next contribution
See current-year tax effect, Section 11F headroom, and TFSA room side by side. Uses 2026/27 South African rules. No bank passwords.
New to the decision? Read how to compare TFSA vs RA — then come back with the same proposed amount.
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Disclaimer
This calculator provides estimates for information only. It is not financial, tax, or investment advice, and it does not recommend contributing to a TFSA, an RA, or any particular split. Results depend on the figures you enter and on 2026/27 tax rules as configured in Libevyn; they are not SARS-verified and may not reflect your full tax position. Retirement withdrawal tax, two-pot withdrawals, annuitisation, fees, and investment returns are not fully modelled. Long-term or illustrative values (where shown) are not forecasts. Consider professional advice before acting.