Before you withdraw from your savings pot, it helps to know that SARS taxes it as ordinary income, so there's no tax-free portion like with a full retirement payout. The rate depends on your salary plus the withdrawal combined, so a withdrawal made after a December bonus can cost you more than one made early in the tax year. If too much was deducted, you only get the difference back by filing your annual return. I worked through the numbers on https://twopotpayout.co.za/ which has a calculator where you enter your salary and withdrawal amount.