Calculate your actual take-home pay after PAYE tax, UIF, medical aid credits, and pension deductions. Updated with the latest SARS tax brackets and rebates.
Combine your salary, fees, and withdrawal choices to build a better plan.
Compare Fee ImpactYour net salary (also called take-home pay) is what you actually receive in your bank account each month after all deductions. In South Africa, the main deductions from your gross salary are:
You may also receive medical aid tax credits which reduce your PAYE tax and increase your take-home pay.
| Taxable Income | Rate |
| R0 – R245,100 | 18% |
| R245,101 – R383,100 | 26% |
| R383,101 – R530,200 | 31% |
| R530,201 – R695,800 | 36% |
| R695,801 – R887,000 | 39% |
| R887,001 – R1,878,600 | 41% |
| R1,878,601+ | 45% |
💡 Tip for Retirement Planning: Know your current take-home salary before planning your retirement. Your two-pot withdrawal will be taxed, so calculate the net impact on your monthly income. Use our retirement calculator →
Net salary = Gross salary - PAYE tax - UIF + Medical aid tax credits. Your PAYE is calculated using SARS progressive tax brackets, meaning higher portions of your income are taxed at higher rates. The 2026/2027 primary rebate of R17,820 means you pay no tax on the first ~R99,000 of annual income.
On a gross monthly salary of R30,000 (R360,000/year), you'll pay approximately R4,681 in PAYE and R177 in UIF, giving you a net take-home of about R25,142 per month. With medical aid for one person, it's about R25,518. Use the calculator above for your exact figures.
On a gross monthly salary of R50,000 (R600,000/year), you'll pay approximately R11,076 in PAYE and R177 in UIF, giving you a net take-home of about R38,747 per month. Contributing R5,000/month to a retirement annuity would reduce your tax and increase your net pay.
SARS allows you to deduct up to 27.5% of your taxable income (max R430,000/year) for retirement fund contributions. This reduces your taxable income before PAYE is calculated. For someone earning R50,000/month, a R5,000/month RA contribution could save you roughly R1,800 in tax per month depending on your bracket.
For the 2026/2027 tax year, you don't pay income tax if you earn below R99,000 per year (about R8,250/month) if you're under 65. For ages 65-74, the threshold is R153,250, and for 75+, it's R171,300. These thresholds are based on the primary, secondary, and tertiary rebates.
Yes. This calculator uses the official SARS 2026/2027 tax brackets, rebates, UIF rates, and medical aid tax credits. It's updated annually when SARS publishes new rates (usually during the February Budget Speech). For complex situations (multiple income sources, capital gains, foreign income), consult a tax professional.