Salary tax calculator 2026/27
Short answer
On R30 000 a month, an employee under 65 pays R4 681.00 PAYE and R177.12 UIF, and takes home R25 141.88, before medical aid or retirement contributions. PAYE comes from SARS's 2026/27 tax table: the tax on your annual pay, less the R17 820 rebate and any medical credits, divided by 12.
Checked against SARS on · by Timo van Deventer, Senior AI Product Specialist
Take-home pay a month
R25 141.88
- Gross pay
- R30 000.00
- PAYE
- −R4 681.00
- UIF (1%)
- −R177.12
- Retirement contributions
- Effective tax rate
- 15.6%
- Marginal tax rate
- 26%
The month your bonus is paid
- Bonus
- Tax on the bonus
- Extra UIF
- Bonus after tax
Your employer also pays R177.12 UIF. Annual take-home pay: R301 702.56.
How it's worked out
- Annual payR30 000.00 × 12 = R360 000.00
- Taxable incomeR360 000.00
- Tax from the 2026/27 table: R44 118.00 + 26% of R114 900.00R73 992.00
- Less rebates (primary)−R17 820.00
- Tax for the yearR56 172.00
- PAYE a month (÷ 12)R4 681.00
- Marginal rate: the 26% bracket26%
SARS's tables round to the rand, so a table lookup can differ by up to R1.
An estimate from SARS's 2026/27 tables. Your employer's payroll and SARS's assessment are what count. Medical aid premiums and other deductions your employer makes aren't included.
Paying someone? Make their payslip with PAYE and UIF filled in.
Send contracts for signing on WhatsApp
Join the waitlist
How PAYE is worked out
- Multiply your monthly pay by 12 for your annual pay.
- Take off your retirement fund contributions, up to 27.5% of your pay and R430 000 a year. The rest is your taxable income.
- Work out the tax on your taxable income from SARS's 2026/27 tax table.
- Take off your rebates (R17 820 for everyone, more from 65 and 75) and your medical scheme fees tax credits.
- Divide what is left by 12. That is your PAYE for the month.
Your employer works it out the same way each month and pays it to SARS for you. A bonus is taxed at the extra tax it adds to your year.
Tax rates for 2026/27
For 1 March 2026 to 28 February 2027, from SARS. The brackets moved up from 2025/26.
| Taxable income a year | Tax |
|---|---|
| R1 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: R17 820 for everyone; another R9 765 from 65; another R3 249 from 75 (SARS).
- No tax below: R99 000 a year under 65, R153 250 from 65, R171 300 from 75.
- Medical scheme fees tax credit: R376 a month for you, R752 for you and one dependant, and R254 for each other dependant (SARS).
- Retirement fund contributions: deductible up to 27.5% of your pay, at most R430 000 a year (up from R350 000 in 2025/26) (SARS Budget Tax Guide).
- UIF: 1% from you and 1% from your employer, on pay up to R17 712 a month (SARS).
The additional medical expenses tax credit for people 65 and older or with a disability isn't included here.
Salary tax questions
How much tax do I pay if I earn R15 000 a month?
R1 215.00 PAYE a month in 2026/27, if you're under 65 with no medical aid or retirement contributions. UIF takes R150.00, so you take home R13 635.00.
How much tax do I pay on R25 000 a month?
R3 381.00 PAYE a month in 2026/27, under 65, with no medical aid or retirement contributions, plus R177.12 UIF. Take-home pay: R21 441.88.
How much tax will I pay on my bonus?
A bonus is taxed at the extra annual tax it causes, so usually at your top rate. On R30 000 a month, a R30 000 bonus costs R8 145.00 in tax in 2026/27 (under 65), leaving R21 855.00. Tick "I get a bonus" above to work out yours.
How much is UIF on R6 000 a month?
R60.00 from you and R60.00 from your employer: 1% each. UIF stops counting at R17 712 a month, so nobody pays more than R177.12 (SARS).
From what salary do I pay tax?
From R99 000 a year if you're under 65, R153 250 from 65 and R171 300 from 75, in 2026/27 (SARS). Below that, the rebates cancel out the tax.
This is general information, not tax advice.
Related tools
- Payslip generator A payslip with what the BCEA requires, PAYE and UIF filled in, as a PDF.
- VAT calculator Add or remove VAT, or add up several amounts at once.
- Margin calculator Margin and markup from cost and price, or the price for a target margin.
- How Is PAYE Calculated in South Africa? 2026/27 Guide PAYE is your annual pay run through SARS's tax table, less rebates and credits, divided by 12. See the 2026/27 steps and worked rand examples.
- Payslip template South Africa: Word, Excel and PDF | Kwalify A free payslip template in Word, Excel and PDF with everything section 33 of the BCEA requires. Or fill it in online with PAYE and UIF worked out.