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Free tool

Rental Tax Savings Calculator

Rental income is taxable, but you may deduct the running costs of your rental property — bond interest, rates, levies, insurance, maintenance and agent fees. Slide your numbers below to see how much tax those deductions save you each year at your marginal tax rate. Nothing is saved or shared.

Sets the currency and the tax rate applied to rental profit.

Your rental property

R 12,000
R 8,000
R 1,800
R 450
R 600
R 0
R 600,000

Your tax picture

Annual rental incomeR 144,000
Monthly deductible expensesR 10,850
Annual deductible expensesR 130,200
Taxable rental profitR 13,800
Your marginal tax rate36%
Tax on rental profitR 4,968
Tax saved by deductionsR 46,872
Effective tax on rental income3.5%

Every rand of legitimate deductible expense saves you 36% in tax at your marginal rate.

Track your whole portfolio with PROPTRAC

What can you deduct?

  • Bond interest — the interest portion of your bond repayments is deductible; the capital portion is not.
  • Rates, levies and utilities — municipal rates, body corporate levies and services you pay for the tenant's benefit.
  • Insurance — building and landlord insurance premiums on the rental property.
  • Maintenance and repairs — repairs that keep the property in its current condition are deductible; improvements that increase its value are capital and are not.
  • Agent and administration fees — rental agent commissions, advertising for tenants and related admin costs.

This calculator uses the 2025/26 SARS individual tax brackets and is a general guide, not tax advice — speak to a registered tax practitioner about your situation. For full portfolio, bond, yield and expense tracking see PROPTRAC pricing.