Free estimator

What could your medical tax credit be worth?

This runs SARS’s own medical tax credit formula on your numbers, right in your browser. Nothing you type here is sent anywhere.

Tax year (1 March to end February)

1 March 2025 to 28 February 2026. Using 2026 rates: R364 for each of the first two beneficiaries and R246 for each one after that, per month.

Your age

You, your spouse, or a dependant has a SARS-confirmed disability (ITR-DD). The same higher rate then applies at any age.Dependants on your medical schemeNot counting yourself as the main member.Medical scheme contributions this tax year

Other qualifying medical expenses not recovered from your scheme

Bills you paid yourself and never submitted to your scheme, plus anything your scheme processed but didn't pay (codes 4034 and 4020 combined). This is usually the biggest part of the claim. Subtract anything a gap cover policy paid back to you.Your taxable income this tax year

Your estimate for the 2026 tax year

R 5 275Total estimated medical tax credit

R 4 368Scheme fees credit

R 907Additional credit (AMTC)

Calculated at 25% against 4× your annual scheme fees credit and a 7.5%-of-income threshold, using 2026 rates. An estimate only, not a refund guarantee or tax advice. Confirm the figures with SARS.

The credit reduces tax. It isn't a payout.

The medical tax credits reduce the income tax you owe for the year. If the credit is bigger than the tax you actually paid, the difference is lost: it can't create a refund larger than your tax paid, and it can't be carried to next year. If your taxable income is below the tax threshold, this claim is worth R0 to you. We'll tell you that at triage, before you spend anything.

This estimate rests on the one number most people don't actually know: the total you paid yourself and never submitted to your scheme. Triage removes the guesswork. Send us your medical scheme tax certificate and your taxable income, and within 48 hours we tell you whether a pack is worth it for you, with a realistic range. R450, credited in full if you go ahead.

Start triage (R450)

The real number is hiding in your receipts.

Most people guess the “other qualifying expenses” figure too low, because the bills you paid yourself and never submitted to your scheme sit in a year of receipts rather than on one certificate. Finding and matching those receipts is the work SecureSlip does.

Start your claim See how it works