SOUTH AFRICA · TAX SEASON 2026 OPEN
Calculators Help Centre Legal Library EN · ZA
Tax Saving · Est.
R 18,300
Retirement headroom · illustrative
Estimated Refund
R 24,580.00
2026 tax year · from your figures
Effective Rate · 2026
27.4%
AI Tax Intelligence · Personal Income Tax

Understand your tax. Keep more of it.

Most South Africans miss deductions they're allowed — and leave a bigger refund on the table. Stance prepares your return, finds what you're owed, and answers your tax questions in plain language, cited to the actual law.

Answers
Cited to law
Every figure
From SARS tables
Privacy
POPIA-aligned
Built for
Individuals & the self-employed
Focus
Personal income tax
Grounded in
Income Tax, VAT & Tax Admin Acts
Costs less than
One practitioner consult
Start free
R 149 / month
Early adopter pricing · 2-day free trial
Grounded in the source documents that govern South African tax
Income Tax Act
SARS Tax Tables
SARS Rates & Rebates
SARS Guides
See it in action

Your tax, explained

No jargon, no guesswork. Ask Stance a real question and get a plain-language answer, cited to the actual law. Here's a taste.

You
What does code 3810 on my IRP5 mean, and is it taxed?
S
Code 3810 is your employer's contribution to your medical aid on your behalf. It's treated as a taxable fringe benefit — so it's added to your income — but it also counts toward the medical scheme fees credit, which reduces the tax you owe. In most cases the credit offsets much of the effect.
Cited · Income Tax Act, s6A & Fourth Schedule
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The Platform

One financial operating system. Every tax decision.

Stance Finance brings together a tax advisor, document analysis, and real optimisation tools in a single environment — designed for clarity, for first-time filers and the self-employed alike.

01 · AI Advisor

Answers grounded in the law — never invented.

Every response cites the governing section of the Income Tax Act and the SARS tables it relies on. Stance never fabricates a reference — and when professional advice is required, it says so, explicitly.

  • Conversational interface ASK ANYTHING
  • Verifiable citations EVERY ANSWER
  • Confidence scoring ON EACH ANSWER
  • Knows its limits FLAGS WHEN TO SEE A PRO
Try the Advisor
I sold an investment property in March 2026 — primary residence for 4 of 9 years. How is CGT calculated?
Stance Advisor
Because the property was your primary residence for only part of the ownership period, the capital gain is apportioned on a time basis. Only the non-residence portion is subject to CGT — the R2 million primary residence exclusion applies to the qualifying portion.
Primary Source · §
Income Tax Act — Eighth Schedule, Para 45 & 47
Supporting
SARS — Comprehensive Guide to CGT
02 · Return Analyzer

Your IRP5, explained in plain language.

Upload a tax document — an IRP5, medical aid certificate, or RA certificate — and Stance reads it back to you: what each SARS source code means, the key figures, and anything worth checking before you file.

  • PDF document analysis IRP5 · CERTIFICATES
  • SARS source codes EXPLAINED
  • Worth-checking flags EDUCATIONAL
  • Plain-language summary NO JARGON
IRP5
2025 — Combined Employer Certificate
PROCESSED · 12 DEDUCTIONS DETECTED
Verified
RA
Allan Gray Retirement Annuity
UNDER-UTILISED · R 18,400 HEADROOM
Opportunity
MED
Discovery Health — 2024 Certificate
CREDIT UNDERCLAIMED · R 3,240
Recover
CGT
Easy Equities — Disposal Schedule
14 DISPOSALS · BASE COST CALCULATED
Verified
BANK
FNB Business Statement · Q4
142 TRANSACTIONS · CATEGORISING
Processing
03 · Optimisation Engine

Quantified savings, grounded in the rules.

Stance looks at your income, retirement contributions and medical cover, then surfaces real, rules-based ways to reduce your tax — quantifying the saving at your marginal rate and flagging credits and deductions you may be missing.

  • Retirement headroom QUANTIFIED SAVING
  • Medical tax credits 6A & 6B
  • Deductions & donations S18A · TFSA
  • Provisional tax IRP6 PAYMENTS
R18,300
Saving from retirement headroom
Illustrative · from your own figures
By the numbers

Built on real law. Engineered for trust.

5
Tax engines
All figures sourced
2026·27
Tax years covered
Verified SARS tables
Cited
Every answer
Grounded in legislation
POPIA
Privacy
Compliant by design
Pricing

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Built for individuals and the self-employed. All plans in ZAR, VAT-inclusive.

Personal
For salaried professionals filing standard returns.
R0/ month
FREE FOREVER · CORE FEATURES
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  • Refund estimator & calculators
  • Medical & provisional tax tools
  • Tax-saving optimiser
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