Take-home pay calculator
Enter your gross salary to see your PAYE, UIF and take-home pay, worked out with this tax year’s SARS tables.
| Payslip line | Monthly | Yearly |
|---|
2026/27 tax brackets
Your bracket is highlighted, based on taxable income after retirement deductions.
| Taxable income per year | Rate |
|---|
Rebates and thresholds
| Age | Rebate | Tax-free up to |
|---|---|---|
| Under 65 | R17 820 | R99 000 |
| 65 to 74 | R27 585 | R153 250 |
| 75 and older | R30 834 | R171 300 |
Medical aid tax credit: R376 a month each for you and your first dependant, then R254 for each extra dependant. UIF is 1% of pay, capped at R177.12 a month.
How your take-home pay is worked out
Your monthly salary is multiplied by 12 to estimate your yearly income. Pension, provident and retirement annuity contributions come off first. The tax brackets are then applied, and your rebate and any medical aid credits are subtracted. Divide by 12 and you have your monthly PAYE. UIF of 1% comes off separately.
Read the step-by-step guide with a worked example.
Questions people ask
Why is my payslip slightly different?
Employers may round differently, and bonuses, commission, travel allowances and fringe benefits all change the PAYE. This calculator is for a regular monthly salary.
How much can I earn before I pay tax?
If you are under 65, you pay no income tax on the first R99 000 you earn in the 2026/27 tax year. That is R8 250 a month.
Does saving for retirement lower my tax?
Yes. Contributions to a pension fund, provident fund or retirement annuity are deducted before tax, up to 27.5% of your income and R430 000 a year.