Medical Aid Tax Credits Calculator
Calculate your Section 6A standard medical aid credits and Section 6B additional medical expenses deduction. Uses official SARS 2025/2026 credit amounts.
Section 6A Credits
Standard medical aid tax credits calculated automatically
Section 6B Deduction
Additional medical expenses credit for qualifying expenses
SARS 2025/2026
Current credit amounts: R364 main member, R246 per additional dependant
How medical aid tax credits work in South Africa
Medical aid tax credits in South Africa work in two parts: Section 6A gives you R364/month for the first two members and R246/month per additional dependant. Section 6B provides an additional credit of 25% of qualifying medical expenses exceeding 4 times your Section 6A credits (for under 65s) or 33.3% of expenses exceeding your Section 6A credits (for 65+). These credits directly reduce your tax liability rand-for-rand.
Medical Aid Credits Calculator
Enter your details to calculate your tax credits
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Enter your medical aid members and contributions, then click calculate to see your Section 6A and Section 6B tax credits
Understanding Medical Aid Tax Credits
South Africa's medical aid tax credit system explained — Section 6A standard credits and Section 6B additional deductions
Section 6A — Standard Credits
- R364/month for the main member and first dependant
- R246/month for each additional dependant
- Credits reduce your tax bill directly, rand for rand
- Applied regardless of income level or age
Credit Amounts by Number of Members
| Members | Monthly Credit | Annual Credit |
|---|---|---|
| 1 member | R 364,00 | R 4 368,00 |
| 2 members | R 728,00 | R 8 736,00 |
| 3 members | R 974,00 | R 11 688,00 |
| 4 members | R 1 220,00 | R 14 640,00 |
| 5 members | R 1 466,00 | R 17 592,00 |
Section 6B — Additional Credit
Under 65 years old
25% × (expenses − 4 × Section 6A)
65 years and over
33.3% × (expenses − Section 6A)
Qualifying Expenses Include
- Doctor, specialist and psychiatrist consultations
- Dentist and orthodontist treatments
- Optometrist, prescribed glasses and contact lenses
- Prescribed medication and pharmacy costs
- Hospital and private clinic fees
- Qualifying medical devices and prosthetics
- Not qualifying: cosmetic surgery, non-medical procedures
Medical Aid Tax Credits — Frequently Asked Questions
Common questions about Section 6A and Section 6B medical aid tax credits in South Africa
Manage medical aid deductions easily with Accounter
Track medical expenses, calculate tax credits, and stay SARS compliant — all in one place.
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Important Disclaimer
Accounter does not provide accounting, tax, business or legal advice. This calculator has been provided for information purposes only. You should consult your own professional advisors for advice directly relating to your business.