Salary after tax calculator (2026/27)

Enter your monthly salary to see exactly what lands in your bank account after PAYE and UIF.

Enter 0 if you don't have medical aid.

Take-home pay per month
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PAYE (income tax)
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UIF (1%)
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Retirement contribution
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Tax for the year
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Marginal tax rate
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Effective tax rate
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How your take-home pay is worked out

Your employer deducts PAYE (pay-as-you-earn income tax) and UIF from your gross salary each month. This calculator annualises your salary, subtracts tax-deductible retirement contributions (up to 27.5% of income, capped at R430 000 a year), applies the SARS 2026/27 tax tables, then subtracts your rebates and medical scheme tax credits.

SARS income tax brackets 2026/27 (1 March 2026 – 28 February 2027)

Taxable income per yearTax
R1 – R245 10018% of taxable income
R245 101 – R383 100R44 118 + 26% of the amount above R245 100
R383 101 – R530 200R79 998 + 31% of the amount above R383 100
R530 201 – R695 800R125 599 + 36% of the amount above R530 200
R695 801 – R887 000R185 215 + 39% of the amount above R695 800
R887 001 – R1 878 600R259 783 + 41% of the amount above R887 000
R1 878 601 and aboveR666 339 + 45% of the amount above R1 878 600

Rebates and medical tax credits

Everyone gets a primary rebate of R17 820 a year, which means you pay no income tax below about R99 000 a year if you're under 65. People 65 and older get an extra R9 765, and people 75 and older a further R3 249. Medical aid members get a tax credit of R376 a month for themselves, R376 for the first dependant and R254 for each additional dependant.

UIF

UIF is 1% of your salary, capped at R177.12 a month because contributions only apply up to R17 712 of monthly pay.

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Frequently asked questions

How much tax do I pay on R30 000 a month?

If you're under 65 with no medical aid or retirement contributions, PAYE on R30 000 a month is about R4 681, and UIF is R177.12, leaving roughly R25 142 take-home. Enter your own figures above for an exact estimate.

What is the tax-free threshold in South Africa?

For the 2026/27 tax year you pay no income tax on income up to R99 000 a year if you're under 65, because the primary rebate cancels out the tax on that amount.

Why is my payslip different from this calculator?

Payroll systems handle bonuses, travel allowances, fringe benefits and mid-year salary changes differently. This calculator assumes the same salary every month for a full tax year.

Does a raise push all my income into a higher bracket?

No. South Africa uses marginal tax brackets, so only the portion of income above each threshold is taxed at the higher rate.

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