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Home/Calculators/Salary Calculator

Salary Calculator

Calculate your take-home pay after PAYE, UIF, and pension deductions. Uses official SARS 2026/2027 tax brackets for accurate results.

Updated March 2026 · Current SARS rates

SARS Accurate

Uses official 2026/2027 SARS tax tables and rates

Full Breakdown

See PAYE, UIF, pension, and medical aid deductions

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How to calculate your take-home pay in South Africa

Your South African take-home pay is your gross monthly salary minus three main deductions: PAYE (income tax withheld by your employer), UIF (1% of gross, capped at R177.12/month), and any pension/retirement fund contributions.

PAYE is calculated by annualising your monthly salary, applying the SARS progressive tax brackets, subtracting your personal rebate (R17,820/year for under 65s in 2026/2027), then dividing by 12. Medical aid tax credits further reduce your PAYE (R376/month for the first two members, R254/month for each additional member).

Take-Home = Gross − PAYE − UIF − Pension

Take-Home Pay Calculator

Enter your details to calculate your net salary

R

Your total monthly salary before any deductions

Your contribution as a % of gross salary (max 27.5%, capped at R430,000/year)

Total members on your medical aid (you + dependants). Credits reduce your PAYE.

Ready to Calculate

Enter your gross monthly salary and click calculate to see your full take-home pay breakdown

SARS 2026/2027 Tax Brackets

South African individual income tax rates for the year 1 March 2026 – 28 Feb 2027

Taxable IncomeRate of Tax
R 0,00 – R 245 100,0018% of taxable income
R 245 101,00 – R 383 100,00R 44 118,00 + 26% of amount above R 245 100,00
R 383 101,00 – R 530 200,00R 79 998,00 + 31% of amount above R 383 100,00
R 530 201,00 – R 695 800,00R 125 599,00 + 36% of amount above R 530 200,00
R 695 801,00 – R 887 000,00R 185 215,00 + 39% of amount above R 695 800,00
R 887 001,00 – R 1 878 600,00R 259 783,00 + 41% of amount above R 887 000,00
R 1 878 601,00 and aboveR 666 339,00 + 45% of amount above R 1 878 600,00

Primary Rebate

R17,820

All taxpayers under 65 years of age

Secondary Rebate

R9,765

Additional rebate for taxpayers 65 to 74

Tertiary Rebate

R3,249

Additional rebate for taxpayers 75 and over

Salary Calculator Frequently Asked Questions

Common questions about PAYE, UIF, and take-home pay in South Africa

PAYE (Pay As You Earn) is calculated using SARS progressive tax brackets. Your annual gross salary is first reduced by allowable deductions such as pension contributions. The resulting taxable income is then taxed at increasing rates: 18% on the first R245,100, up to 45% on income above R1,878,600. Personal rebates (R17,820 for under 65s in 2026/2027) are subtracted from the gross tax to arrive at annual PAYE, which is then divided by 12 for the monthly deduction. Medical aid tax credits also reduce your PAYE further.
UIF (Unemployment Insurance Fund) is deducted at 1% of your gross monthly salary, capped at a maximum of R177.12 per month. This cap applies because UIF contributions are only calculated on remuneration up to R17,712 per month. Your employer also contributes a matching 1% on your behalf. UIF entitles you to benefits in the event of unemployment, maternity leave, or illness.
On an annual salary of R500,000 in the 2026/2027 tax year (assuming you are under 65 with no deductions), the tax falls in the 31% bracket. Tax = R79,998 + (R500,000 - R383,100) × 31% = about R116,237. Less the primary rebate of R17,820, annual PAYE is about R98,417, or roughly R8,201 per month before medical credits.
Yes. Contributions to a retirement annuity, pension fund, or provident fund are tax-deductible up to 27.5% of the greater of remuneration or taxable income, capped at R430,000 per tax year. This deduction reduces your taxable income before PAYE is calculated, which can significantly lower your monthly tax bill. For example, contributing 10% of a R50,000/month salary (R6,000/month) reduces annual taxable income by R72,000.
In the 2026/2027 tax year, the tax-free thresholds (minimum amounts below which no income tax is payable) are: R99,000 for taxpayers under 65; R153,250 for taxpayers aged 65 to 74; and R171,300 for taxpayers aged 75 and over. These thresholds account for the applicable personal rebates being applied against the gross tax liability.
Medical aid tax credits (also called medical scheme fees tax credits) directly reduce the amount of PAYE you owe, rand for rand. For the 2026/2027 tax year, the credit is R376 per month for the main member, R376 per month for the first dependant, and R254 per month for each additional dependant. So a taxpayer with two medical aid members gets a credit of R752,00/month (R9 024,00/year), which is subtracted directly from annual tax before calculating monthly PAYE.

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How to Calculate PAYE in South Africa

Learn how to calculate PAYE tax for employees using SARS tax tables. Step-by-step guide with examples and current tax brackets.

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Deepen your understanding with glossary definitions and free tools

Key Terms

PAYE (Pay As You Earn)

PAYE is the system through which employers deduct income tax from employees' salaries and pay it directly to SARS on their behalf each month.

UIF (Unemployment Insurance Fund)

UIF is a South African social security fund that provides short-term financial relief to workers who become unemployed, ill, or go on maternity leave.

Gross Salary

Gross salary is the total amount an employer pays an employee before any deductions such as PAYE tax, UIF contributions, pension fund contributions, or medical aid.

Net Salary

Net salary (also called take-home pay) is the amount an employee receives after all deductions — including PAYE, UIF, pension contributions, and medical aid — have been subtracted from their gross salary.

Browse all terms

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Important Disclaimer

Accounter does not provide accounting, tax, business or legal advice. This calculator has been provided for information purposes only. You should consult your own professional advisors for advice directly relating to your business.