Income Tax Calculator South Africa
Calculate your South African income tax, PAYE deductions, and take-home pay. This free SARS tax calculator includes medical aid tax credits, retirement fund deductions, UIF contributions, and a tax-year selector.
PAYE / Income Tax Calculator
Gross Income
Personal Details
Deductions & Credits
Your Tax Summary
Detailed Breakdown
| Gross income | R350,000.00 |
| Taxable income | R350,000.00 |
| Tax on taxable income | R71,392.00 |
| Less: Rebates (primary) | -R17,820.00 |
| PAYE (income tax) | R53,572.00 |
| UIF contribution | R2,125.44 |
| Net annual income | R294,302.56 |
2026/27 Tax Brackets (SARS)
| Taxable Income | Rate | Tax on Bracket |
|---|---|---|
| R1 - R245 100 | 18% | 18% of taxable income |
| R245 101 - R383 100 | 26% | R44 118 + 26% of amount above R245 100 |
| R383 101 - R530 200 | 31% | R79 998 + 31% of amount above R383 100 |
| R530 201 - R695 800 | 36% | R125 599 + 36% of amount above R530 200 |
| R695 801 - R887 000 | 39% | R185 215 + 39% of amount above R695 800 |
| R887 001 - R1 878 600 | 41% | R259 783 + 41% of amount above R887 000 |
| R1 878 601 and above | 45% | R666 339 + 45% of amount above R1 878 600 |
Tax Rebates & Thresholds
| Age Group | Total Rebate | Tax Threshold |
|---|---|---|
| Under 65 | R17 820 | R99 000 |
| 65 to 74 | R27 585 | R153 250 |
| 75 and older | R30 834 | R171 300 |
Frequently Asked Questions
How is income tax calculated in South Africa?
South African income tax uses a progressive sliding scale with seven brackets. Your taxable income (after deductions like retirement fund contributions) is divided into brackets, and each portion is taxed at an increasing rate from 18% to 45%. Tax rebates are then subtracted based on your age, and medical aid tax credits are deducted if applicable. The result is your PAYE (Pay As You Earn) tax.
What is the tax-free threshold in South Africa?
The tax-free threshold depends on your age and the year selected above. In 2025/26 the thresholds are R95,750, R148,217, and R165,689. In 2026/27 they are R99,000, R153,250, and R171,300 for taxpayers under 65, aged 65 to 74, and aged 75 and older respectively.
How much PAYE tax do I pay on R30,000 per month?
On a monthly salary of R30,000 (R360,000 per year), a person under 65 with no additional deductions would pay approximately R4,975 per month in PAYE tax. This gives an effective tax rate of about 19.9%. Your actual tax may be lower if you have medical aid credits or retirement fund contributions.
What are medical aid tax credits in South Africa?
Medical aid tax credits directly reduce your tax payable. In 2025/26, the credits are R364 per month for the main member, R364 for the first dependant, and R246 for each additional dependant. In 2026/27, the credits are R376, R376, and R254 respectively.
How much UIF do I pay per month?
UIF contributions are 1% of your monthly salary, capped at R177.12 per month (based on the salary ceiling of R17,712). Your employer contributes an additional 1%. If you earn R15,000 per month, your UIF deduction is R150. If you earn more than R17,712, your contribution is capped at R177.12.
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