PAYE Tax Calculator

What this calculator does

Calculates your monthly PAYE (Pay As You Earn) tax liability using the official SARS 2026/27 tax brackets, primary and secondary rebates, UIF contribution (capped at the legislated maximum), medical tax credits for you and your dependants, and the tax benefit of retirement annuity contributions.

How to interpret your results

Your take-home pay is your gross salary minus PAYE, UIF, and any RA contribution you entered. The effective tax rate shown is your actual tax as a percentage of gross income — this is usually lower than your marginal rate because SA uses a progressive tax system.

Assumptions applied

• Tax brackets and rebates are based on the SARS 2026/27 tax year (1 March 2026 to 28 February 2027).
• UIF is calculated at 1% of gross salary, capped at R177.12/month as per the current legislated maximum.
• Medical tax credits are R376/month for the primary member and first dependant, and R254/month for each additional dependant.
• RA contributions are deductible up to 27.5% of the greater of taxable income or remuneration, capped at R430,000 per year.
• The tertiary rebate (age 75+) is not applied unless you select it.

What this calculator doesn't account for

• Does not account for travel allowances, commission income, or other variable remuneration.
• Does not model provisional tax for self-employed individuals.
• Does not account for fringe benefits or company car taxation.
• SDL (Skills Development Levy) is an employer cost and is not included.