Tax year 2026/27 · verified against SARS 11 June 2026
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ZASouth Africa · ZAR · Tax year 2026/27

South African Salary Tax Calculator

Work out your take-home pay, PAYE, UIF and medical tax credits for the 1 March 2026 – 28 February 2027 tax year.

Your details

R
0

Everyone on your medical aid, including you. Leave at 0 if none.

%

Your take-home pay

R25 142

per month · 83.8% of gross kept

Gross salaryR30 000
Income tax (before rebates)R6 166
Less: tax rebate−R1 485
PAYE income tax−R4 681
UIF capped−R177
Net take-homeR25 142

How your tax is built up

18% bandR245 100 → R44 118
26% bandR114 900 → R29 874

Estimate for guidance only · not tax advice

What this means for you

Your figures, read back to you

Bracket position
26%R1 92531%

R1 925 a month below the 31% bracket. Only income above that line would be taxed at the higher rate.

Marginal vs effective
26.0%
on next R1 000
16.2%
overall

Your next R1 000 is taxed at 26.0%, but across the whole salary you pay 16.2%. A raise is worth less than the headline; your actual burden is lower than your bracket.

What a raise nets
+R1 000 / month+R74074% kept
+R5 000 / month+R3 54671% kept
At your income level

UIF is capped at R177,12 and stops growing here, which leaves retirement contributions as the main lever — 10% of pay would cut PAYE by about R780 a month.

Updates live as you change your details · estimate for guidance only, not tax advice

How your take-home pay is worked out

Your annual taxable income is taxed across SARS’s sliding scale of brackets. Retirement-fund contributions (up to 27.5% of your pay, capped at R430 000 a year) are deducted before tax. The income tax is then reduced by your age-based rebate and, if you belong to a medical scheme, by the monthly medical tax credits. Employees also pay 1% UIF, capped at R177.12 a month.

AfriTaxCalc uses the official 2026/27 figures and is checked against a set of hand-computed SARS examples on every change.

The 2026/27 figures

Full tax tables →
South African income tax brackets for 2026/27
Annual taxable incomeRate on this band
R0 – R245 10018%
R245 101 – R383 10026%
R383 101 – R530 20031%
R530 201 – R695 80036%
R695 801 – R887 00039%
R887 001 – R1 878 60041%
R1 878 601 and above45%
  • Primary rebate: R17 820 a year (R9 765 more at 65+, R3 249 more at 75+).
  • Medical scheme credit: R376 a month each for the first two members, then R254 for each additional dependant.
  • Retirement deduction: up to 27.5% of pay, capped at R430 000 a year.
  • UIF: 1% of pay on earnings up to R17 712 a month — a maximum of R177,12 a month.

Popular guides

See all guides →
How PAYE Works in South Africa
A plain-English explanation of how PAYE income tax is calculated on your salary in South Africa, with the 2026/27 brackets and a worked example.
UIF Explained: What That Deduction Actually Is
What UIF is, how the 1% deduction works, the monthly earnings ceiling, and what you actually get for it.
Medical Aid Tax Credits: The Discount You Might Be Missing
How the medical scheme fees tax credit reduces your PAYE, the 2026/27 monthly amounts, and how dependants change the figure.
Retirement Contributions and the R430 000 Cap
How retirement annuity, pension and provident fund contributions reduce your tax, the 27.5% rule, and the new R430 000 annual cap.

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