South African Income Tax & PAYE Calculator
Calculate take-home pay · PAYE · UIF · Official SARS 2026/2027 brackets · Free & instant
Monthly take-home pay
- Annual income
- —
- Annual income tax
- —
- Monthly PAYE
- —
- Monthly UIF
- —
0.00% effective tax rate
Estimates only · Not financial or tax advice · Methodology
Understanding Income Tax & PAYE in South Africa
Pay-As-You-Earn (PAYE) is South Africa's income tax collection system. Your employer deducts income tax from your monthly salary and pays it to SARS on your behalf. This income tax calculator applies the official 2026/2027 SARS tax brackets and age-based rebates automatically, showing your estimated net salary after PAYE tax and UIF.
Common PAYE & Income Tax Questions
What is PAYE and how does this income tax calculator work?
PAYE (Pay-As-You-Earn) is South Africa's income tax system for employees. Your employer deducts income tax monthly and pays it to SARS using progressive tax brackets and age-based rebates. This calculator applies the same official SARS methodology — enter your gross salary and see your estimated net income instantly.
How much income tax will I pay on my salary?
Your income tax depends on your total annual income and age group. For 2026/2027, incomes under R99,000 per year (under 65) pay no tax. Higher incomes are taxed progressively from 18% to 45%, with age-based rebates reducing the final amount owed.
What are the 2026/2027 income tax brackets in South Africa?
The SARS tax brackets for 2026/2027 are: R0–R245,100 (18%), R245,101–R383,100 (26%), R383,101–R530,200 (31%), R530,201–R695,800 (36%), R695,801–R887,000 (39%), R887,001–R1,878,600 (41%), and R1,878,601+ (45%). See the full 2026/2027 tax tables.
How is UIF calculated in South Africa?
UIF (Unemployment Insurance Fund) is 1% of your monthly gross salary, capped at R177.12 per month. Both you and your employer each contribute 1%, but only your portion is deducted from your take-home pay.
What is the difference between gross salary and net salary?
Gross salary is your total pay before any deductions. Net salary (take-home pay) is what you receive after PAYE income tax and UIF are deducted. For example, a R30,000 gross monthly salary results in approximately R25,142 net take-home per month for someone under 65 in 2026/2027.
How much take-home pay from a R35,000 salary?
A R35,000 gross monthly salary (under 65, 2026/2027) gives approximately R28,688 take-home per month — after PAYE of R6,135 and UIF of R177.12. Effective tax rate: 17.5%.
How much take-home pay from a R45,000 salary?
A R45,000 gross monthly salary (under 65, 2026/2027) gives approximately R35,547 take-home per month — after PAYE of R9,276 and UIF of R177.12. Effective tax rate: 20.6%.
How much take-home pay from a R50,000 salary?
A R50,000 gross monthly salary (under 65, 2026/2027) gives approximately R38,747 take-home per month — after PAYE of R11,076 and UIF of R177.12. Effective tax rate: 22.2%.
Tax thresholds for 2026/2027: Under 65 — R99,000; Ages 65–74 — R153,250; Age 75+ — R171,300. UIF contributions are capped at R177.12 per month.