11/09/2026
The moment you pass away, SARS treats it as if you sold everything you own, at market value, on that date. That can trigger a real capital gains tax bill.
There is some relief. The CGT exclusion in the year of death has increased to R440,000. But add estate duty and administration costs on top, and even estates that aren't especially large can still face serious cash flow pressure.
Without enough liquidity, an executor may have no choice but to sell property, a business, or other assets, just to cover it.
There is a way to plan ahead too. You can now donate up to R150,000 a year, per person, without paying donations tax. Married couples can potentially give away R300,000 a year between them. Done consistently, it quietly reduces what your estate owes later.
The 2026 tax changes bring both relief and risk. Worth reviewing your plan now.
For further information, read our comprehensive article in comments.
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