Calculate your take-home pay after PAYE, UIF, and pension deductions. Uses official SARS 2026/2027 tax brackets for accurate results.
Uses official 2026/2027 SARS tax tables and rates
See PAYE, UIF, pension, and medical aid deductions
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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).
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South African individual income tax rates for the year 1 March 2026 – 28 Feb 2027
| Taxable Income | Rate of Tax |
|---|---|
| R 0,00 – R 245 100,00 | 18% of taxable income |
| R 245 101,00 – R 383 100,00 | R 44 118,00 + 26% of amount above R 245 100,00 |
| R 383 101,00 – R 530 200,00 | R 79 998,00 + 31% of amount above R 383 100,00 |
| R 530 201,00 – R 695 800,00 | R 125 599,00 + 36% of amount above R 530 200,00 |
| R 695 801,00 – R 887 000,00 | R 185 215,00 + 39% of amount above R 695 800,00 |
| R 887 001,00 – R 1 878 600,00 | R 259 783,00 + 41% of amount above R 887 000,00 |
| R 1 878 601,00 and above | R 666 339,00 + 45% of amount above R 1 878 600,00 |
R17,820
All taxpayers under 65 years of age
R9,765
Additional rebate for taxpayers 65 to 74
R3,249
Additional rebate for taxpayers 75 and over
Common questions about PAYE, UIF, and take-home pay in South Africa
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Deepen your understanding with glossary definitions and free tools
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.
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.