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Home/Calculators/Salary Calculator

Salary Calculator

Calculate your take-home pay after PAYE, UIF, and pension deductions. Uses official SARS 2025/2026 tax brackets for accurate results.

Updated March 2026 · SARS 2025/2026 rates

SARS Accurate

Uses official 2025/2026 SARS tax tables and rates

Full Breakdown

See PAYE, UIF, pension, and medical aid deductions

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Download PDF, print, or copy your salary breakdown

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 (R17,235/year for under 65s in 2025/2026), then dividing by 12. Medical aid tax credits further reduce your PAYE (R364/month for the first two members, R246/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 R350,000/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 2025/2026 Tax Brackets

South African individual income tax rates for the year 1 March 2025 – 28 Feb 2026

Taxable IncomeRate of Tax
R 0,00 – R 237 100,0018% of taxable income
R 237 101,00 – R 370 500,00R 42 678,00 + 26% of amount above R 237 100,00
R 370 501,00 – R 512 800,00R 77 362,00 + 31% of amount above R 370 500,00
R 512 801,00 – R 673 000,00R 121 475,00 + 36% of amount above R 512 800,00
R 673 001,00 – R 857 900,00R 179 147,00 + 39% of amount above R 673 000,00
R 857 901,00 – R 1 817 000,00R 251 258,00 + 41% of amount above R 857 900,00
R 1 817 001,00 and aboveR 644 489,00 + 45% of amount above R 1 817 000,00

Primary Rebate

R17,235

All taxpayers under 65 years of age

Secondary Rebate

R9,444

Additional rebate for taxpayers 65 to 74

Tertiary Rebate

R3,145

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 R237,100, up to 45% on income above R1,817,000. Personal rebates (R17,235 for under 65s in 2025/2026) 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 2025/2026 tax year (assuming you are under 65 with no deductions): The tax on R500,000 falls in the 31% bracket. Tax = R77,362 + (R500,000 - R370,501) × 31% = R77,362 + R40,154 = R117,516. Less the primary rebate of R17,235, annual PAYE = R100,281. That is approximately R8,357 per month in PAYE, an effective tax rate of about 20.1%.
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 R350,000 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 2025/2026 tax year, the tax-free thresholds (minimum amounts below which no income tax is payable) are: R95,750 for taxpayers under 65; R148,217 for taxpayers aged 65 to 74; and R165,689 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 2025/2026 tax year, the credit is R364 per month for the main member, R364 per month for the first dependant, and R246 per month for each additional dependant. So a taxpayer with two medical aid members gets a credit of R728/month (R8,736/year), which is subtracted directly from their 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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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.