Your age on 28 February 2027
Pension, provident fund or RA. Leave at 0 if you have none.
You plus dependants. Leave at 0 if you have no medical aid.
UIF is not deducted for national or provincial government employees.
This estimate is for a regular salary. Bonuses, travel allowances and other income will change the figure on your payslip.
Take-home pay per monthR28 688R344 258 a year
Gross salaryR35 000
PAYE (income tax)−R6 135
UIF−R177.12
RetirementR0
Take-homeR28 688
Average tax rate17.5%
Marginal tax rate31%
How your take-home pay is worked out
Your employer works out PAYE on what you would earn over a full tax year, then takes off one-twelfth each month. The calculator follows the same steps.
- Yearly income. Your monthly salary times 12.
- Retirement deduction. Contributions to a pension, provident fund or RA come off before tax, up to 27.5% of your income or R430 000 a year, whichever is lower.
- Tax from the table, less your rebate. SARS applies the bracket table below, then subtracts the rebate for your age. Everyone gets R17 820; people aged 65 and older get more.
- Medical aid credit. R376 a month for you, R376 for your first dependant and R254 for each extra dependant comes off your tax.
- UIF. You pay 1% of your salary to the Unemployment Insurance Fund, up to R177.12 a month.
2026/27 income tax brackets
Your bracket is highlighted.
| Taxable income a year | Tax payable |
|---|---|
| R1 – R245 100 | 18% of taxable income |
| R245 101 – R383 100 | R44 118 + 26% of the amount above R245 100 |
| R383 101 – R530 200 | R79 998 + 31% of the amount above R383 100 |
| R530 201 – R695 800 | R125 599 + 36% of the amount above R530 200 |
| R695 801 – R887 000 | R185 215 + 39% of the amount above R695 800 |
| R887 001 – R1 878 600 | R259 783 + 41% of the amount above R887 000 |
| R1 878 601 and above | R666 339 + 45% of the amount above R1 878 600 |
| Age | Rebate | No tax below |
|---|---|---|
| Under 65 | R17 820 | R99 000 a year |
| 65 to 74 | R17 820 + R9 765 | R153 250 a year |
| 75 and over | R17 820 + R9 765 + R3 249 | R171 300 a year |
Common questions
Why is my payslip different from this figure?
Your payroll may include things this calculator leaves out, such as a travel allowance, overtime, a bonus or other deductions your employer makes.
When do these figures change?
The Minister of Finance announces new tables in the Budget each February. They apply from 1 March, and this calculator is updated before then.
Do I pay tax if I earn under R99 000 a year?
No. If you are under 65 and your taxable income is below R99 000 a year, the rebate cancels out your tax. You still pay UIF.