South African Personal Tax Calculator 2025/2026
Calculate your income tax, medical credits, and take-home based on the latest SARS rates.
Your Income Details
Capped at 27.5% of income, max R350,000 p.a.
Your Tax Summary
Taxable Income
R0.00
Gross Tax (before credits)
R0.00
Rebates
R0.00
Medical Tax Credit (MTC)
R0.00
Additional Medical Credit (AMTC)
R0.00
Total Credits
R0.00
Net Tax Payable
R0.00
Effective Tax Rate
0.00%
Monthly Income Tax
R0.00
UIF (employee, annual)
R0.00
Monthly Take-Home (after tax + UIF + retirement + medical aid)
R0.00
How Income Tax is Calculated
Progressive Tax System
South Africa uses a progressive system. Your income is split across brackets; each slice is taxed at its bracket rate.
Rebates & Credits
Primary, secondary (65+) and tertiary (75+) rebates reduce your tax. Medical credits include a fixed monthly MTC and the AMTC formula for additional qualifying expenses.
Deductions
Retirement (27.5% capped at R350k), PBO donations (10% cap), home office (qualifying), and—if you use Advanced—travel allowance per SARS tables.
Income Tax Brackets 2025-2026
| Taxable Income | Rates of Tax |
|---|---|
| R0.00 - R237,100.00 | 18% of taxable income |
| R237,101.00 - R370,500.00 | R42,678.00 + 26% of taxable income above R237,101.00 |
| R370,501.00 - R512,800.00 | R77,362.00 + 31% of taxable income above R370,501.00 |
| R512,801.00 - R673,000.00 | R121,475.00 + 36% of taxable income above R512,801.00 |
| R673,001.00 - R857,900.00 | R179,147.00 + 39% of taxable income above R673,001.00 |
| R857,901.00 - R1,817,000.00 | R251,258.00 + 41% of taxable income above R857,901.00 |
| R1,817,001.00 - and above | R644,489.00 + 45% of taxable income above R1,817,001.00 |
Tax Rebates 2025-2026
| Type of Rebate | Amount |
|---|---|
| Primary | R17,235.00 |
| Secondary (65+) | R9,444.00 |
| Tertiary (75+) | R3,145.00 |
Medical Tax Credits 2025-2026
| Type | Monthly Amount | Annual Amount |
|---|---|---|
| Main / first two beneficiaries (each) | R364.00 | R4,368.00 |
| Each additional beneficiary | R246.00 | R2,952.00 |
Need professional tax advice?
Accounter can help you optimize your tax and ensure you’re using all available deductions and credits.
*Disclaimer
This calculator provides an estimate based on your inputs and current SARS tables. Your actual tax may vary. For personalized advice, please consult a qualified tax professional.