Medical Aid Tax Credit Calculator — South Africa
Calculate your South Africa medical aid tax credit for 2025/26. See your monthly and annual credit, effective tax saved, and the additional 65+ credit where applicable.
About the Medical Aid Tax Credit Calculator — South Africa
South Africa's medical tax credit (MTC) is one of the most valuable tax benefits available to individual taxpayers. Unlike a deduction — which reduces taxable income — the MTC reduces your tax payable directly, rand-for-rand. For the 2025/26 tax year, the credit is R364 per month for the main member, R364 for the first dependant, and R246 per month for each additional dependant on the medical aid plan.
For taxpayers aged 65 and older, or those who are registered persons with a disability, the MTC system provides an additional credit based on excess medical contributions and qualifying out-of-pocket expenses. SARS calculates this as 33.3% of excess contributions (above three times the monthly MTC) or 33.3% of qualifying expenses plus excess contributions above 7.5% of taxable income — whichever is greater. This can generate a substantial additional tax credit for older taxpayers.
The practical significance is considerable: a family of four on a medical aid plan paying R5,000/month would receive a monthly credit of R364 + R364 + R246 + R246 = R1,220 — meaning R1,220 comes directly off their monthly PAYE withholding. Over a full year, that is R14,640 in tax savings, effectively recovering 24% of a R5,000/month medical aid contribution.