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The Before you go checklist

The money matters to arrange before you leave South Africa, in order. Tick off each one as you go.

Moving abroad changes how your cover, tax and savings work, for you and for the people who depend on you. Some of these steps can only be done while you still live in South Africa, and others take months. Start early, and tick each one off as you go. Your ticks are saved in this browser only.

0 of 12 done

  1. Step 1: Start early

    12 months or more before you go

    • Life cover explained
    • SARS: ceasing tax residency
    • Retirement annuities explained
    • The offshore allowance explained

  2. Step 2: Before you leave

    In the months before you go

    • Wills and trusts explained

  3. Step 3: Once you’ve left

    After you move

  4. Step 4: Three years later

    After three uninterrupted years as a non-resident

What next?

This is a rough guide, not advice. A planner can check it against your real numbers.

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How this works

This tool is for education. It isn’t advice and it can’t promise any outcome. Results are illustrative and depend on the assumptions below. Tax figures are for the 2026/27 tax year, checked on 28 September 2026. Announced in Budget 2026 and applied by SARS from 1 March 2026. The Bill that makes them law is still before Parliament.

Assumptions version 2026-27-draft1.

Sources

  1. National Treasury, Budget 2026 Tax Guide
  2. National Treasury, Budget Review 2026, chapter 4
  3. SARS, Budget 2026 frequently asked questions
  4. SARS, tax-free investments
  5. SARS, two-pot retirement system
  6. FSCA, report on two-component related costs and fees (2025)
  7. SARB Exchange Control Circular 6/2026
  8. SARS, estate duty
  9. Administration of Estates Act regulations, regulation 8 (executor’s fees)
  10. SARS, cease to be a tax resident

Speak to a planner

Check the result against your own figures

In a free 20-minute call, a planner can go through your actual funds, tax and plans with you. Send us a WhatsApp message, call or email the office: