SA Crypto Tax Rules

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SA crypto tax: FIFO capital gains, tax estimates, CGT exclusion, capital vs revenue, CARF

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https://aiagenttools.co.za/cryptotax/mcp

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crypto_capital_or_revenue Read-only

Gives a reasoned indication of whether a South African taxpayer's crypto gains are likely capital (CGT, 40% inclusion) or revenue (fully taxed as income), using the factors SARS and the courts weigh: intention, holding period, trading frequency, how it is funded and whether it is run like a business. An indicator for discussion, not a ruling.

intentionstring, required

Main intention when buying

run_as_businessboolean

Organised like a business: trading bots, a trading company, full-time activity, marketing

disposals_per_yearnumber

Number of sells/swaps a year

typical_holding_daysnumber

Typical days an asset is held before selling

main_source_of_incomeboolean

True if crypto dealing is the person's main source of income. Default false

uses_borrowed_money_or_leverageboolean

True if purchases are funded with loans, margin or leveraged products. Default false

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Optional: 'Bearer <API key>' for paid plans. Free tier works without it.

Requests go through mcptry because browsers can't call most MCP servers directly. Header values are sent to the server for that request only and are never stored or logged.

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crypto_capital_or_revenue Read-only

intentionstring, required

Main intention when buying

run_as_businessboolean

Organised like a business: trading bots, a trading company, full-time activity, marketing

disposals_per_yearnumber

Number of sells/swaps a year

typical_holding_daysnumber

Typical days an asset is held before selling

main_source_of_incomeboolean

True if crypto dealing is the person's main source of income. Default false

uses_borrowed_money_or_leverageboolean

True if purchases are funded with loans, margin or leveraged products. Default false

Tools (5)

crypto_capital_or_revenue

read-only

Argument	Type	Description
intention*	string	Main intention when buying
run_as_business	boolean	Organised like a business: trading bots, a trading company, full-time activity, marketing
disposals_per_year	number	Number of sells/swaps a year
typical_holding_days	number	Typical days an asset is held before selling
main_source_of_income	boolean	True if crypto dealing is the person's main source of income. Default false
uses_borrowed_money_or_leverage	boolean	True if purchases are funded with loans, margin or leveraged products. Default false

Input schema (JSON)

{
  "type": "object",
  "required": [
    "intention"
  ],
  "properties": {
    "intention": {
      "enum": [
        "long_term_investment",
        "mixed",
        "short_term_profit"
      ],
      "type": "string",
      "description": "Main intention when buying"
    },
    "run_as_business": {
      "type": "boolean",
      "default": false,
      "description": "Organised like a business: trading bots, a trading company, full-time activity, marketing"
    },
    "disposals_per_year": {
      "type": "number",
      "description": "Number of sells/swaps a year"
    },
    "typical_holding_days": {
      "type": "number",
      "description": "Typical days an asset is held before selling"
    },
    "main_source_of_income": {
      "type": "boolean",
      "default": false,
      "description": "True if crypto dealing is the person's main source of income. Default false"
    },
    "uses_borrowed_money_or_leverage": {
      "type": "boolean",
      "default": false,
      "description": "True if purchases are funded with loans, margin or leveraged products. Default false"
    }
  }
}

crypto_gains_fifo

Calculates South African capital gains and losses on crypto from a list of buys, sells, crypto-to-crypto swaps, spends, gifts and crypto income, using first-in-first-out (SARS accepts FIFO or specific identification; weighted average is not allowed). Returns each disposal's proceeds, base cost and gain, totals per tax year (1 March – end February), income to declare, and holdings left with their base cost. Optionally estimates the tax per year.

read-only

Argument	Type	Description
treatment	string	capital (investor) or revenue (trader: gains taxed in full as income). Use crypto_capital_or_revenue if unsure
estimate_tax	object	Optional: also estimate the tax per tax year
transactions*	array	Every acquisition and disposal, any order (sorted by date; same-day keeps the given order). Include all earlier purchases of an asset, or the gain is overstated.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "transactions"
  ],
  "properties": {
    "treatment": {
      "enum": [
        "capital",
        "revenue"
      ],
      "type": "string",
      "default": "capital",
      "description": "capital (investor) or revenue (trader: gains taxed in full as income). Use crypto_capital_or_revenue if unsure"
    },
    "estimate_tax": {
      "type": "object",
      "properties": {
        "age": {
          "type": "integer",
          "description": "Individuals: age at the end of the tax year (rebates). Default 40"
        },
        "taxpayer": {
          "enum": [
            "individual",
            "company",
            "trust",
            "special_trust"
          ],
          "type": "string",
          "default": "individual",
          "description": "Type of taxpayer: individual, company, trust or special_trust. Default individual"
        },
        "other_taxable_income": {
          "type": "number",
          "description": "Taxable income from everything else (salary, business, interest after exemption), per year. Default 0"
        },
        "other_net_capital_gain": {
          "type": "number",
          "description": "Net capital gain on non-crypto assets in the same year (shares, property). Default 0"
        }
      },
      "description": "Optional: also estimate the tax per tax year"
    },
    "transactions": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "date",
          "type",
          "asset",
          "quantity",
          "rand_value"
        ],
        "properties": {
          "date": {
            "type": "string",
            "description": "YYYY-MM-DD"
          },
          "type": {
            "enum": [
              "buy",
              "sell",
              "swap",
              "spend",
              "income",
              "gift_out"
            ],
            "type": "string",
            "description": "buy (with rand), sell (for rand), swap (crypto to crypto), spend (paid for goods/services), income (mining, staking, salary, airdrop treated as income), gift_out"
          },
          "asset": {
            "type": "string",
            "description": "e.g. BTC, ETH, USDT"
          },
          "fee_rand": {
            "type": "number",
            "description": "Platform fee in rand (optional). Added to cost on buys; deducted from proceeds on disposals"
          },
          "quantity": {
            "type": "number",
            "description": "Units of the asset bought, sold, swapped away, spent, received or given"
          },
          "to_asset": {
            "type": "string",
            "description": "Swaps only: asset received"
          },
          "rand_value": {
            "type": "number",
            "description": "Rand value at the time: price paid (buy), proceeds (sell), market value of what was given up (swap, spend, gift) or received (income)"
          },
          "to_quantity": {
            "type": "number",
            "description": "Swaps only: units received"
          }
        }
      },
      "description": "Every acquisition and disposal, any order (sorted by date; same-day keeps the given order). Include all earlier purchases of an asset, or the gain is overstated."
    }
  }
}

crypto_tax_estimate

Estimates the extra South African income tax caused by crypto in one tax year, for an individual, company or trust: applies the CGT annual exclusion (R50,000 for individuals from 1 March 2026), the 40% or 80% inclusion rate, the tax tables and age rebates, and shows tax with and without the crypto, the marginal rate and any capital loss to carry forward.

read-only

Argument	Type	Description
age	integer	Individuals: age on the last day of the tax year. Default 40
tax_year	integer	Year the tax year ends, e.g. 2027 for 1 March 2026 – 28 February 2027. Default: current tax year
taxpayer	string	Type of taxpayer: individual, company, trust or special_trust. Default individual
other_taxable_income	number	Taxable income from everything else, in rand. Default 0
crypto_revenue_income	number	Crypto amounts taxed as ordinary income: trading profits, mining, staking, crypto salary. Default 0
other_net_capital_gain	number	Net capital gain on other assets in the same year (the exclusion is shared). Default 0
crypto_net_capital_gain	number

crypto_tax_rules

Returns the South African crypto tax rules for a tax year: income tax table and rebates, CGT annual exclusion, inclusion rates and maximum effective rates, company and trust rates, accepted cost methods (FIFO or specific identification; not weighted average), how swaps, spending, income and gifts are treated, and SARS reporting under CARF.

read-only

Argument	Type	Description
tax_year	integer	Year the tax year ends, e.g. 2027. Default: current tax year

Input schema (JSON)

{
  "type": "object",
  "required": [],
  "properties": {
    "tax_year": {
      "type": "integer",
      "description": "Year the tax year ends, e.g. 2027. Default: current tax year"
    }
  }
}

unmet_request

Free to call. If you needed South African data that none of these tools provide (a cost, rate, rule, price or place we don't cover), describe it here in one sentence. We review these every week and build the most-requested data first.

Argument	Type	Description
need*	string	What information you were looking for, in one sentence.
region	string	Optional: province or town, if it matters.
context	string	Optional: the kind of task it was for, e.g. 'renovation quote' or 'payroll run'.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "need"
  ],
  "properties": {
    "need": {
      "type": "string",
      "description": "What information you were looking for, in one sentence."
    },
    "region": {
      "type": "string",
      "description": "Optional: province or town, if it matters."
    },
    "context": {
      "type": "string",
      "description": "Optional: the kind of task it was for, e.g. 'renovation quote' or 'payroll run'."
    }
  }
}

SA Crypto Tax Rules

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crypto_capital_or_revenue Read-only

SA Crypto Tax Rules

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crypto_capital_or_revenue Read-only

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Tools (5)

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