Tax-Free Investing
TFSA Calculator
Estimate how tax-free contributions could grow from your current age to age 65. This tool uses the current SARS annual TFSA limit and lifetime cap as planning assumptions.
Use your own return assumption. As a reference point, the Satrix S&P 500 ETF's annualized since-inception return is about 17,3%. This is a planning assumption, not a forecast. For simplicity, this version uses the current TFSA value as a proxy for how much lifetime contribution room has already been used.
Estimated Result
Estimated TFSA value at age 65
R 0
Important Assumptions
- Uses a TFSA annual limit of R46,000 from 1 March 2026 and a lifetime cap of R500,000.
- Default return is set to 17.3%, based on the Satrix S&P 500 ETF's annualized since-inception return.
- Results are illustrative and exclude provider fees, inflation, currency shifts, and changing tax law.
- Lifetime-cap timing is estimated for planning purposes and is not a substitute for provider or tax records.
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Calculator FAQ
Questions people usually have before using this calculator
What is the TFSA contribution limit in South Africa?
This calculator uses the current annual TFSA limit and lifetime cap shown on the page as planning assumptions, but you should still verify the latest SARS limits before acting.
Can I keep contributing to a TFSA after reaching the annual limit?
You can, but over-contributions can trigger penalties. That is why the calculator trims projected contributions to the current planning limits.