ZARWiseMoney maths for South Africans
Tax year 2026/27Prime 10,75%Rates checked 2 October 2026

Take-home pay calculator

Your net salary after PAYE, UIF, retirement and medical aid, using SARS tables for the 2026/27 tax year.

R

Before any deductions, as on your contract or payslip.

Your age
R

Your own contributions. Tax-deductible up to 27,5% of income, capped at R 430 000 a year.

People on your medical aid
0

Including you.

R

Your portion, per month.

R

Optional. Shown separately so you can see what tax takes from it.

Take-home pay

R 25 142per month

You keep 84% of your gross salary. That's R 301 703 a year.

  • Take-home 84%
  • PAYE 16%
  • UIF 1%

Your monthly payslip

Gross salaryR 30 000,00
PAYE (income tax)−R 4 681,00
UIF (1%, capped at R 177,12)−R 177,12
Take-home payR 25 141,88

Your year at a glance

Income tax for the year

R 56 172

Average tax rate

15,6%

Tax on your next R100

R26

Tax-free threshold

R 99 000

How SARS works it out
Annual incomeR 360 000
Taxable incomeR 360 000
Tax from the SARS tableR 73 992
Less rebate for your age−R 17 820
Income tax for the yearR 56 172

How take-home pay is calculated

Your employer works out PAYE by annualising your salary: it multiplies your monthly pay by 12, applies the SARS tax table, subtracts your age rebate and medical tax credits, then divides by 12.

Contributions to a pension, provident or retirement annuity fund reduce your taxable income, up to 27,5% of your income and no more than R 430 000 a year. That's why a retirement contribution costs you less than its face value.

UIF is 1% of your salary, up to a maximum of R 177,12 a month. Your employer pays the same again.

If you have more than one employer, a side income, or large medical expenses, your final tax on assessment can differ from PAYE.

SARS tax table 2026/27

Taxable incomeTax
R 1 – R 245 10018% of taxable income
R 245 101 – R 383 100R 44 118 + 26% above R 245 100
R 383 101 – R 530 200R 79 998 + 31% above R 383 100
R 530 201 – R 695 800R 125 599 + 36% above R 530 200
R 695 801 – R 887 000R 185 215 + 39% above R 695 800
R 887 001 – R 1 878 600R 259 783 + 41% above R 887 000
R 1 878 601 – and aboveR 666 339 + 45% above R 1 878 600

Rebates: primary R 17 820, 65+ another R 9 765, 75+ another R 3 249. Medical credits: R 376 each for the first two people, R 254 for each additional person, per month.

Read the guide: How SARS works out your PAYE

Take-home pay at common salaries

Gross per monthPAYEUIFTake-homeAverage tax rate
R 10 000R 315R 100,00R 9 5853,1%
R 15 000R 1 215R 150,00R 13 6358,1%
R 20 000R 2 115R 177,12R 17 70810,6%
R 25 000R 3 381R 177,12R 21 44213,5%
R 30 000R 4 681R 177,12R 25 14215,6%
R 40 000R 7 685R 177,12R 32 13819,2%
R 50 000R 11 076R 177,12R 38 74722,2%
R 60 000R 14 736R 177,12R 45 08724,6%
R 80 000R 22 658R 177,12R 57 16528,3%
R 100 000R 30 858R 177,12R 68 96530,9%
R 150 000R 51 358R 177,12R 98 46534,2%

Under 65, no medical aid or retirement contributions, 2026/27 SARS tables. See every salary from R 5 000 to R 150 000.

Quick answers

How is PAYE calculated in South Africa?

Your employer multiplies your monthly salary by 12, applies the SARS tax table for the year, subtracts the rebate for your age (R 17 820 if you're under 65) and any medical tax credits, then divides by 12. On R 30 000 a month that comes to R 4 681,00 PAYE a month.

What is the tax-free threshold for 2026/27?

You pay no income tax on income up to R 99 000 a year if you're under 65, R 153 250 if you're 65 to 74, and R 171 300 if you're 75 or older.

How much UIF is deducted from my salary?

1% of your salary, up to R 177,12 a month (the ceiling is R 17 712 of salary). Your employer pays the same amount again.

Why is my bonus taxed so heavily?

A bonus is added to your income for the year and taxed at your highest (marginal) rate. On a R 30 000 salary, a R 30 000 13th cheque loses R 8 145 to tax, so you receive R 21 855.

See the full SARS tax tables for 2026/27 and what changed from last year.

Read the full guide: How SARS works out your PAYE