Calculate your tax after medical aid credits
South Africa's medical aid tax credit is one of the most valuable but least understood tax benefits available to employed taxpayers. A family of four on medical aid saves R14,640 in tax every year — automatically, regardless of income. Yet many South Africans are either unaware of it, not claiming it correctly, or missing the additional credit for out-of-pocket expenses that could mean thousands more back from SARS.
This guide explains exactly what the medical aid tax credit is, how it's calculated, and how to make sure you're claiming every rand you're entitled to.
What Is the Medical Scheme Fees Tax Credit (MTC)?
The Medical Scheme Fees Tax Credit is a monthly credit that directly reduces your income tax bill — rand for rand. Unlike a deduction (which reduces your taxable income), a credit comes straight off your tax liability. The rates for the 2025/26 tax year are fixed amounts regardless of your income level.
| Dependant Status | Monthly Credit | Annual Credit |
|---|---|---|
| Principal member (you) | R364 | R4,368 |
| First dependant | R364 | R4,368 |
| Each additional dependant | R246 | R2,952 |
| Family of 2 (you + spouse) | R728/month | R8,736/year |
| Family of 4 (you + 3 dependants) | R1,220/month | R14,640/year |
These credits apply to anyone registered on a medical aid scheme — whether you pay yourself or your employer contributes on your behalf. The credit is based on registered membership, not on what you actually spend on medical costs.
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The SA Salary Trap — R149
Medical aid tax credits are just the start. This guide reveals every legal PAYE reduction available to employed South Africans — and how to claim them.
Get the Guide — R149 → See what's inside →Related Reading
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