Salary after tax calculator 2026/27
Enter your monthly salary to see what lands in your bank account after PAYE, UIF and your own retirement and medical aid contributions. The figures use the SARS tax tables for 1 March 2026 to 28 February 2027.
Your details
Estimated take-home pay per month
R25 141.88
15.6% effective tax rate · 26% marginal rate
- PAYE per month
- R4 681.00
- UIF per month
- R177.12
- Annual PAYE
- R56 172.00
How we worked it out
- Gross monthly salaryR30 000.00
- Annual remuneration for PAYER360 000.00
Monthly amount × 12
- Retirement fund deductionR0.00
Lesser of contributions, 27.5% of remuneration and R430 000
- Annual taxable incomeR360 000.00
- Tax from the 2026/27 tablesR73 992.00
- Less rebates−R17 820.00
- Annual PAYER56 172.00
- Monthly PAYE−R4 681.00
Annual PAYE ÷ 12
- UIF (1%, capped)−R177.12
- Take-home payR25 141.88
How PAYE is worked out
Your employer does not tax each month on its own. PAYE is calculated as if your salary for the month continued for the whole year. The annual figure is run through the SARS tax brackets, the rebates are subtracted, and the answer is divided by twelve. That is why a raise can push part of your salary into a higher bracket without making your whole salary taxed at the higher rate.
- Annualise: monthly taxable pay × 12, plus 80% of any travel allowance.
- Deduct retirement contributions: pension, provident and retirement annuity contributions reduce taxable income, up to 27.5% of remuneration and R430 000 a year.
- Apply the tax table: rates run from 18% to 45%.
- Subtract rebates: everyone gets the primary rebate of R17 820; people 65 and older get more.
- Subtract medical credits: R376 a month for you, R376 for your first dependant and R254 for each additional dependant.
- Divide by 12 to get monthly PAYE.
What else comes off your salary
UIF takes 1% of your pay up to the R17 712 monthly ceiling, so the most you contribute is R177.12 a month. Your own pension and medical aid contributions also come off your pay, but they reduce your tax, so their real cost is lower than the amount deducted.
Read the 2026/27 tax tables guide for the full brackets and an explanation of each line on a payslip.
Frequently asked questions
Why is the PAYE on my payslip slightly different?
Employers use the SARS deduction tables or the same annualised formula, but small differences come from rounding, fringe benefits (such as a company car or employer medical aid contributions), irregular hours, or a mid-year salary change. Your annual assessment settles the final amount.
How much can I earn before paying tax in 2026/27?
If you are under 65, no income tax is payable on taxable income up to R99 000 a year. The threshold is R153 250 from age 65 and R171 300 from age 75.
What is the difference between my marginal and effective tax rate?
Your marginal rate is the rate on your next rand of income, the bracket you fall in. Your effective rate is your total tax divided by your income. Because the lower brackets are taxed at lower rates and the rebate reduces your tax, the effective rate is always lower than the marginal rate.
Does this include my bonus or 13th cheque?
No. This calculator shows a normal month. Use the bonus tax calculator to see the tax on a once-off payment.
Is UIF deducted from everyone?
Most employees contribute 1% of their pay, matched by their employer, up to a salary of R17 712 a month. Some workers are excluded, for example people who work fewer than 24 hours a month for an employer. If UIF does not apply to you, add the UIF amount back to the take-home figure.