South African Income Tax Calculator 2025/2026
Calculate your income tax, tax rebates, and take-home pay based on the latest SARS tax tables for 2025/2026. Perfect for planning your personal finances.
Your Income Details
Your Tax Summary
Taxable Income
R0.00
Tax Payable
R0.00
Less: Tax Credits
R0.00
Net Tax Payable
R0.00
Effective Tax Rate
0.00%
Monthly Tax
R0.00
Monthly Take-Home Pay
R0.00
How Income Tax is Calculated in South Africa (2025/2026)
Progressive Tax System
South Africa uses a progressive tax system, which means that the more you earn, the higher your tax rate. Your income falls into different tax brackets, each with its own tax rate. You don't pay a single rate on your entire income - instead, you pay each rate on the portion of your income that falls within each bracket.
Tax Rebates
Tax rebates are credits that reduce the amount of tax you owe. All taxpayers qualify for a primary rebate of R18,102 for the 2025/2026 tax year. If you're 65 years or older, you get an additional secondary rebate of R9,916, and if you're 75 years or older, you get a tertiary rebate of R3,302 on top of the primary and secondary rebates.
Medical Tax Credits
If you contribute to a medical aid scheme, you qualify for medical tax credits. For the 2025/2026 tax year, these are fixed at R382 per month for the main member and R258 per month for each additional beneficiary. Medical tax credits directly reduce your tax liability.
Deductions
Certain expenses can be deducted from your income before calculating tax. The most common deductions include retirement fund contributions (up to 27.5% of your income, capped at R350,000 per year) and travel allowance (if you use your personal vehicle for business purposes).
South African Income Tax Brackets 2025-2026
| Taxable Income | Rates of Tax |
|---|---|
| R 0.00 - R 237,100.00 | 18% of taxable income |
| R 237,101.00 - R 370,500.00 | R 42,678.00 + 26% of taxable income above R 237,101.00 |
| R 370,501.00 - R 512,800.00 | R 77,362.00 + 31% of taxable income above R 370,501.00 |
| R 512,801.00 - R 673,000.00 | R 121,475.00 + 36% of taxable income above R 512,801.00 |
| R 673,001.00 - R 857,900.00 | R 179,147.00 + 39% of taxable income above R 673,001.00 |
| R 857,901.00 - R 1,817,000.00 | R 251,258.00 + 41% of taxable income above R 857,901.00 |
| R 1,817,001.00 - and above | R 644,489.00 + 45% of taxable income above R 1,817,001.00 |
Tax Rebates 2025-2026
| Type of Rebate | Amount |
|---|---|
| Primary | R 18,102.00 |
| Secondary (65 years and older) | R 9,916.00 |
| Tertiary (75 years and older) | R 3,302.00 |
Medical Tax Credits 2025-2026
| Type | Monthly Amount | Annual Amount |
|---|---|---|
| Main member | R 382.00 | R 4,584.00 |
| Additional member | R 258.00 | R 3,096.00 |
Tax-Saving Tips
Maximize Retirement Contributions
Contribute up to 27.5% of your income (capped at R350,000 per year) to a pension fund, provident fund, or retirement annuity to reduce your taxable income.
Claim Home Office Expenses
If you work from home regularly, you may be able to claim a portion of your rent, electricity, internet, and other expenses as deductions.
Tax-Free Savings Account
Invest up to R36,000 per year (with a lifetime limit of R500,000) in a Tax-Free Savings Account. All interest, dividends, and capital gains earned in this account are completely tax-free.
Keep Medical Expense Records
If your medical expenses exceed 7.5% of your taxable income, you may qualify for additional medical deductions beyond the standard medical tax credits.
Need professional tax advice?
Accounter can help you optimize your tax situation and ensure you're taking advantage of all available deductions and rebates.
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*Disclaimer
This calculator provides an estimate based on the information you provide and the 2025/2026 tax regulations. Your actual tax liability may vary. Accounter does not provide tax advice through this calculator. Tax laws and regulations change frequently, and this calculator may not reflect the most recent changes. For personalized tax advice, please consult with a qualified tax professional.