South Africa Salary Calculator 2026/27: Take-Home Pay after PAYE and UIF
Calculate your take-home pay in South Africa for 2026/27: PAYE with the SARS tables, UIF, retirement and medical aid, bonus tax and employer cost.
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PAYE is the SARS formula on the yearly salary ÷ 12; the monthly deduction tables give the same within R1. A bonus is taxed at the marginal rate in the month it is paid. SDL applies only when the payroll exceeds R500,000 a year.
What it does
Employers in South Africa deduct PAYE (pay as you earn) and UIF from every salary. PAYE is the income tax of the year spread over 12 months, after the rebates of R17,820 (more from age 65), the deduction for retirement fund contributions and the medical scheme fees tax credit. UIF is 1% of the salary up to R17,712 a month, and the employer pays the same again plus the 1% skills development levy.
How to use it
- Type your gross monthly salary and choose your age.
- Add your retirement fund contribution, medical aid and any annual bonus.
- Read the net pay, PAYE, UIF and the cost for the employer.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
What is the take-home pay on R25,000 a month in 2026/27?
Under 65 and without retirement or medical aid deductions, PAYE is R3,381 a month (R40,572 for the year) and UIF R177.12, so the net pay is R21,441.88. The employer also pays UIF of R177.12 and SDL of R250.
From what salary is PAYE deducted?
Under 65 no tax is due up to R99,000 a year, about R8,250 a month; the threshold is R153,250 from 65 and R171,300 from 75. Above it, the primary rebate of R17,820 is taken off the tax.
How do retirement and medical aid contributions lower PAYE?
Retirement fund contributions are deducted from taxable income up to 27.5% of remuneration and R430,000 a year. Medical aid gives a tax credit of R376 a month for you, R752 with one dependant and R254 for each further dependant.
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