Use this free take-home pay calculator for South Africa to see exactly what lands in your bank account after tax. Enter your gross salary, and it works out your net pay after PAYE, UIF, medical tax credits and any pension, using the latest SARS tax tables for the 2026/2027 tax year (1 March 2026 to 28 February 2027).
Take-Home Pay Calculator
Work out your net salary after PAYE, UIF, medical credits and pension. Figures use the SARS tables for 1 March 2026 to 28 February 2027.
How this is worked out
We annualise your gross salary, subtract your pension or retirement annuity contribution to get your taxable income, then apply the SARS 2026/2027 tax brackets (18% to 45%). We deduct your age-based rebate and any medical scheme tax credits to get your PAYE, then take off UIF at 1% (capped at R177 per month). What is left is your take-home pay.
Rebates: primary R17 820, plus R9 765 (65–74) and a further R3 249 (75+). Medical credit: R376 per month for the first two members, R254 for each extra. UIF ceiling: R17 712 per month.
This is an estimate for a standard salary and does not cover travel allowances, bonuses, capital gains or other income. Always confirm your own figures with your payslip or SARS.
Figures rounded to the nearest rand. Tax year 1 March 2026 to 28 February 2027.
Source: South African Revenue Service (SARS). Not financial or tax advice.
How your take-home pay is worked out
Your take-home pay is your gross salary minus your deductions. The calculator follows the same steps SARS uses:
- It annualises your gross salary.
- It subtracts your pension or retirement annuity contribution to get your taxable income.
- It applies the SARS 2026/2027 tax brackets to that taxable income.
- It takes off your age-based rebate and any medical scheme tax credits to get your PAYE.
- It subtracts UIF at 1%, then shows what is left as your take-home pay.
SARS tax brackets 2026/2027
These are the income tax brackets for the tax year 1 March 2026 to 28 February 2027.
| Taxable income per year | Rates of tax |
|---|---|
| R0 to R245 100 | 18% of taxable income |
| R245 101 to R383 100 | R44 118 + 26% of the amount above R245 100 |
| R383 101 to R530 200 | R79 998 + 31% of the amount above R383 100 |
| R530 201 to R695 800 | R125 599 + 36% of the amount above R530 200 |
| R695 801 to R887 000 | R185 215 + 39% of the amount above R695 800 |
| R887 001 to R1 878 600 | R259 783 + 41% of the amount above R887 000 |
| R1 878 601 and above | R666 339 + 45% of the amount above R1 878 600 |
Rebates, credits and UIF (2026/2027)
- Tax rebates: primary R17 820 for everyone, plus R9 765 if you are 65 to 74, and a further R3 249 if you are 75 or older.
- Tax thresholds (no tax below): R99 000 under 65, R153 250 for ages 65 to 74, and R171 300 for 75 and older.
- Medical scheme tax credit: R376 per month for the first two members, and R254 per month for each additional dependant.
- UIF: 1% of your salary, capped at R177.12 per month (earnings ceiling of R17 712 per month).
Check your pay by job
Want to know what a specific job pays before you work out the take-home? See our South African salary guide, or jump to a popular one: security guard salary, SAPS salaries and ranks, traffic officer salary or government salary levels.
Frequently asked questions
How do I calculate my take-home pay in South Africa? Take your gross salary, subtract PAYE (income tax) using the SARS 2026/2027 brackets, then subtract UIF at 1%. Deduct any pension and add back medical tax credits. This calculator does all of that for you.
How much is UIF in 2026? UIF is 1% of your salary, capped at R177.12 per month. Your employer pays a matching 1%, but only your 1% comes off your take-home pay.
How much must I earn before I pay tax? For 2026/2027 you pay no income tax if you earn below R99 000 a year if you are under 65, R153 250 if you are 65 to 74, or R171 300 if you are 75 or older.
Is this the same as a net salary or PAYE calculator? Yes. Take-home pay, net salary and salary-after-tax all mean the same thing: what is left after PAYE, UIF and other deductions.
