Salary calculator South Africa 2026/27
Take-home pay in South Africa for 2026/27 after PAYE and UIF, with medical aid tax credits and retirement contributions, per year, month and week.
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Your take-home pay
Take-home pay: R 301 702,56 a year, R 25 141,88 a month.
- Take-home pay a year
- R 301 702,56
- Take-home pay a month
- R 25 141,88
- Take-home pay a week
- R 5 801,97
Breakdown of your pay
- Take-home 83.8%
- Tax 15.6%
- Social contributions 0.6%
| Item | Year | Month | Week |
|---|---|---|---|
| Gross pay | R 360 000,00 | R 30 000,00 | R 6 923,08 |
| Income tax (PAYE) | −R 56 172,00 | −R 4 681,00 | −R 1 080,23 |
| UIF | −R 2 125,44 | −R 177,12 | −R 40,87 |
| Take-home pay | R 301 702,56 | R 25 141,88 | R 5 801,97 |
- Effective tax rate:
- 16.2%tax, social contributions and loan repayments as a share of gross pay
- Marginal rate:
- 26.0%of your next unit of pay
Not deducted from your pay
- Employer UIF (1%, paid on top)R 2 125,44 a year
How this was worked out
- Annual figures for the 2027 tax year (1 March 2026 to 28 February 2027), to the cent. Employers withhold PAYE each pay using the annual equivalent of your pay, so payslips can differ slightly; the assessment after the year squares it up.
Tax year 2026/27 (1 March 2026 to 28 February 2027) · last checked 23 Sept 2026 · Sources: SARS: Rates of tax for individuals; SARS: Medical tax credit rates; SARS: Guide for employers in respect of employees' tax (2027); SARS: Budget 2026 frequently asked questions; SARS: Unemployment Insurance Fund; SARS: Unemployment Insurance Fund ceiling earnings. Estimate, not financial or tax advice. Calculated in your browser; nothing is sent.
How it works
This salary calculator for South Africa works out your take-home pay for 2026/27, which SARS calls the 2027 tax year (1 March 2026 to 28 February 2027). Enter your salary per year, month, week or hour and it deducts PAYE income tax at the SARS rates, your UIF contribution and, if you pay into one through payroll, your pension, provident or retirement annuity fund.
It uses the SARS figures for 2026/27: brackets from 18% to 45%, the primary rebate of R 17 820 (plus the secondary and tertiary rebates from 65 and 75), medical scheme fees tax credits and the new R 430 000 cap on retirement fund deductions. A salary of R 30 000 a month (R 360 000 a year) leaves R 301 702,56 a year, or R 25 141,88 a month.
Everything is calculated in your browser. It is an estimate for a resident employee, not tax advice: travel and other allowances, fringe benefits, employer retirement contributions, the additional medical expenses tax credit and other income are not included.
Take-home pay on common salaries (2026/27)
Figures for a resident employee under 65 for the 2027 tax year (1 March 2026 to 28 February 2027), with no medical aid, no retirement fund contribution and no other income or allowances.
Amounts are rounded to whole units; type any salary into the calculator above for the exact figure and your own options.
| Salary | PAYE | UIF | Take-home a year | A month | A week |
|---|---|---|---|---|---|
| R 120 000 | R 3 780 | R 1 200 | R 115 020 | R 9 585 | R 2 212 |
| R 180 000 | R 14 580 | R 1 800 | R 163 620 | R 13 635 | R 3 147 |
| R 240 000 | R 25 380 | R 2 125 | R 212 495 | R 17 708 | R 4 086 |
| R 300 000 | R 40 572 | R 2 125 | R 257 303 | R 21 442 | R 4 948 |
| R 360 000 | R 56 172 | R 2 125 | R 301 703 | R 25 142 | R 5 802 |
| R 420 000 | R 73 617 | R 2 125 | R 344 258 | R 28 688 | R 6 620 |
| R 480 000 | R 92 217 | R 2 125 | R 385 658 | R 32 138 | R 7 416 |
| R 540 000 | R 111 307 | R 2 125 | R 426 568 | R 35 547 | R 8 203 |
| R 600 000 | R 132 907 | R 2 125 | R 464 968 | R 38 747 | R 8 942 |
| R 720 000 | R 176 833 | R 2 125 | R 541 042 | R 45 087 | R 10 405 |
| R 840 000 | R 223 633 | R 2 125 | R 614 242 | R 51 187 | R 11 812 |
| R 960 000 | R 271 893 | R 2 125 | R 685 982 | R 57 165 | R 13 192 |
| R 1 200 000 | R 370 293 | R 2 125 | R 827 582 | R 68 965 | R 15 915 |
| R 1 500 000 | R 493 293 | R 2 125 | R 1 004 582 | R 83 715 | R 19 319 |
| R 2 000 000 | R 703 149 | R 2 125 | R 1 294 726 | R 107 894 | R 24 899 |
| R 3 000 000 | R 1 153 149 | R 2 125 | R 1 844 726 | R 153 727 | R 35 475 |
How PAYE is worked out in South Africa
SARS taxes your taxable income in brackets, from 18% on the first R 245 100 to 45% above R 1 878 600, and then subtracts rebates. Everyone gets the primary rebate of R 17 820, which is why income below the tax threshold of R 99 000 (under 65) pays no tax at all. From 65 the threshold is R 153 250 and from 75 it is R 171 300.
Your employer withholds PAYE every month by working out the annual equivalent of your pay, applying the tax tables and dividing by the number of pay periods. After the year ends, your tax assessment compares the PAYE withheld with the tax actually due.
- Medical scheme fees tax credits reduce your tax by R 376 a month for you and for your first dependant, and R 254 a month for each additional dependant.
- Contributions to pension, provident and retirement annuity funds are deductible up to 27.5% of your remuneration or taxable income, at most R 430 000 a year from 1 March 2026.
UIF: the Unemployment Insurance Fund
UIF is 1% of your pay, deducted every month, and your employer pays the same again. It is only charged on pay up to R 17 712 a month, so the most you contribute is R 177,12 a month. The fund pays benefits if you lose your job and in some other situations where you cannot work.
Income tax rates, 2027 tax year (1 March 2026 to 28 February 2027)
| Taxable income (R) | Rates of tax (R) |
|---|---|
| R 1 to R 245 100 | 18% of taxable income |
| R 245 101 to R 383 100 | R 44 118 + 26% of taxable income above R 245 100 |
| R 383 101 to R 530 200 | R 79 998 + 31% of taxable income above R 383 100 |
| R 530 201 to R 695 800 | R 125 599 + 36% of taxable income above R 530 200 |
| R 695 801 to R 887 000 | R 185 215 + 39% of taxable income above R 695 800 |
| R 887 001 to R 1 878 600 | R 259 783 + 41% of taxable income above R 887 000 |
| R 1 878 601 and above | R 666 339 + 45% of taxable income above R 1 878 600 |
Budget 2026 raised the brackets by 3.4% for inflation, the first increase since 2023/24, and raised the rebates.
Tax rebates and thresholds, 2027 tax year
| Your age | Rebates | Tax threshold |
|---|---|---|
| Under 65 | R 17 820 (primary) | R 99 000 |
| 65 to 74 | R 27 585 (primary + secondary R 9 765) | R 153 250 |
| 75 and older | R 30 834 (plus tertiary R 3 249) | R 171 300 |
Rebates are subtracted from the tax on your taxable income; below the threshold no income tax is payable.
Medical tax credits, UIF and retirement contributions
| Item | Amount |
|---|---|
| Medical scheme fees tax credit: you | R 376 a month |
| First dependant | R 376 a month |
| Each additional dependant | R 254 a month |
| UIF (employee) | 1% of pay up to R 17 712 a month (at most R 177,12) |
| Retirement fund deduction | Up to 27.5% of remuneration, at most R 430 000 a year |
The retirement deduction limit rose from R 350 000 to R 430 000 a year for the 2027 tax year. Your employer pays another 1% UIF on top.
Sources and last check
Tax year 2026/27 (1 March 2026 to 28 February 2027). Every rate and threshold on this page was last checked on 23 September 2026 against the official sources below; the calculator, the tables and the figures in the text all come from the same data.
This is an estimate to help you plan, not financial or tax advice. Your employer, your tax authority and your own circumstances decide what you actually pay.
- Salary after tax in other countries: every country calculator
Sources: SARS: Rates of tax for individuals (checked 2026-09-23); SARS: Medical tax credit rates (checked 2026-09-23); SARS: Guide for employers in respect of employees' tax (2027) (checked 2026-09-23); SARS: Budget 2026 frequently asked questions (checked 2026-09-23); SARS: Unemployment Insurance Fund (checked 2026-09-23); SARS: Unemployment Insurance Fund ceiling earnings (checked 2026-09-23)
How to use it
- Type your salary and choose whether it is per year, month, week or hour.
- Pick your age group: from 65 and from 75 you get extra rebates and a higher tax threshold.
- Enter how many people are on your medical aid (you plus dependants) and the percentage of salary you pay into a retirement fund through payroll.
- Read your take-home pay per year, month and week, the PAYE and UIF breakdown and your effective and marginal rates.
Frequently asked questions
How much is R 30 000 a month after tax?
A salary of R 30 000 a month (R 360 000 a year) pays R 56 172 of PAYE and R 2 125,44 of UIF in 2026/27, leaving R 301 702,56 a year or R 25 141,88 a month, for someone under 65 with no medical aid or retirement contributions.
What is R 50 000 a month after tax in South Africa?
R 50 000 a month (R 600 000 a year) leaves R 464 967,56 a year, or R 38 747,30 a month, after R 132 907 of PAYE and R 2 125,44 of UIF. Medical aid credits and retirement contributions would lower the tax.
What is the tax-free threshold for 2026/27?
If you are under 65 you pay no income tax on taxable income up to R 99 000 a year. The threshold is R 153 250 from 65 and R 171 300 from 75, because of the secondary and tertiary rebates.
Did the tax brackets change in 2026?
Yes. Budget 2026 raised the brackets and the rebates for inflation for the 2027 tax year, the first such increase since 2023/24, so the same salary pays a little less tax than in 2025/26. The retirement fund deduction cap also rose, to R 430 000.
How do medical aid tax credits work?
If you pay medical scheme contributions, you get a fixed credit off your tax each month: R 376 for you, R 376 for your first dependant and R 254 for each further dependant. The credit reduces tax but cannot create a refund, and the additional medical expenses credit is only worked out on assessment.
Do retirement annuity contributions reduce my tax?
Yes. Contributions to a pension, provident or retirement annuity fund are deducted from your income before tax, up to 27.5% of your remuneration or taxable income (whichever is higher) and at most R 430 000 a year. Enter the percentage you pay through payroll to see the effect on your take-home pay.
Why does my payslip show a different PAYE amount?
Payroll withholds PAYE on each month's pay using the annual equivalent, so bonuses, overtime, allowances and fringe benefits change it from month to month. This calculator shows a steady salary over the whole year; your assessment settles any difference.
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