Work out your monthly or annual PAYE, UIF and take-home pay in seconds, using the latest SARS tax tables for the 2026/2027 tax year. Free, instant, and no sign-up required.
Pension, provident and retirement annuity contributions. Deductible up to 27.5% of income, max R430 000/year.
Age affects your tax rebates and threshold.
Enter your gross income to see your take-home pay.
Estimate only — not tax advice. This calculator uses SARS 2026/2027 rates for general guidance. It covers PAYE, UIF and the retirement-fund deduction, but not medical aid tax credits, travel or other allowances, fringe benefits or other deductions, so your actual payslip may differ. Always confirm with SARS or a registered tax practitioner before relying on these figures.
PAYE, or Pay-As-You-Earn, is the income tax your employer withholds from your salary each month and pays over to SARS on your behalf. It's worked out from your taxable income — your gross pay less allowable deductions such as retirement fund contributions — on a sliding scale, then reduced by the tax rebates you qualify for based on your age.
On top of PAYE, most employees also contribute 1% of their pay to the Unemployment Insurance Fund (UIF), capped at R177,12 a month. Your take-home pay is what's left after PAYE, UIF and any contributions you make.
| Taxable income (per year) | Rate of tax |
|---|---|
| R1 – R245 100 | 18% of taxable income |
| R245 101 – R383 100 | R44 118 + 26% of the amount above R245 100 |
| R383 101 – R530 200 | R79 998 + 31% of the amount above R383 100 |
| R530 201 – R695 800 | R125 599 + 36% of the amount above R530 200 |
| R695 801 – R887 000 | R185 215 + 39% of the amount above R695 800 |
| R887 001 – 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 |
You pay no income tax below these annual amounts: R99 000 if you're under 65, R153 250 for ages 65–74, and R171 300 for 75 and older.
PAYE (Pay-As-You-Earn) is the employees' tax withheld from your salary. Your taxable income (gross pay less allowable retirement contributions) is taxed on SARS's sliding scale, then reduced by age-based tax rebates. The result is your annual PAYE, which is divided across the year. This calculator applies the 2026/2027 rates.
You pay no income tax if your taxable income is below the annual threshold: R99 000 if you're under 65, R153 250 for ages 65–74, and R171 300 for 75 and older.
No. To keep it simple it covers PAYE, UIF and the retirement-fund deduction only. It does not include medical scheme fees tax credits, travel or other allowances, fringe benefits, or other deductions — so your actual payslip may differ. Treat the result as a close estimate, not an exact figure.
UIF is 1% of your remuneration, matched by your employer, on earnings up to the monthly ceiling of R17 712 — so the maximum employee contribution is R177,12 per month. The calculator applies this cap automatically.
Yes. Contributions to pension, provident and retirement annuity funds are deductible up to 27.5% of the greater of your remuneration or taxable income, capped at R430 000 per year for 2026/2027. Enter your contribution and the calculator applies the deduction.
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